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lightstream loan reddit

A few repairs don't make sense but an uninsured 22k used car does? Low DTI. (yes i know but i’m willing to risk it so please dont try and convince me otherwise thanks!). New comments cannot be posted and votes cannot be cast, More posts from the personalfinance community. Had a loan of about 16.5k, used, credit history about 5 years with a 675-700 score. LightStream delivers a revolutionary loan … You can get a 0.50% lower annual percentage rate if you set up AutoPay prior to loan funding. LightStream offers fixed-rate unsecured personal loans.Your annual percentage rate, or APR, will vary depending on the type, size and purpose of the loan.Your loan … Thanks!!! I have no problem making car payments but due to where I live and my driving history i’d be paying more for insurance than on my actual car payment. It’s not about getting a loan — it’s about getting what you want. I got approved for a $5k loan with a 12% APR and after doing some research online this company seems legit, but just curious … Here are some key features of LightStream personal loans. At 22 and living at home your financial situation is likely to change a lot in the next few years. So i hope to get a used car in the next 5-6 months. Rates will also vary by loan type. They asked for proof of employment (pay stubs), but otherwise it was an easy process. What you should know about LightStream auto loans. Used them for auto - offered me a great rate when others wouldn't, and seamlessly dealt with a few oddities that popped up. Spending more than half your annual income on a car that you plan not to insure is a bad idea. In truth, you should buy a cheaper used car. I applied and was approved for an unsecured loan for a classic car from Lightstream. For example, the interest rate … LightStream is the online lending division of SunTrust Banks Inc. 3: Are there any better options for someone in my situation you might suggest? Autopay is set up to start in June. Awesome these are the results i was hoping to hear, is your loan secured or unsecured? Press question mark to learn the rest of the keyboard shortcuts. LightStream - Read unbiased reviews of LightStream, rated 5.0 out of 5 stars by 633 users. Loan amounts range from $… Your exact rates and monthly payments will be determined by your credit history and profile. 2: Is my credit score high enough/is my credit history long enough to even get an unsecured low apr loan from Lightstream? The lowest interest rates include a 0.50% rate discount for using autopay.Loan … How long have you had your job? I have a 5.04 interest rate at 60mo. You have $1500/mth in disposable income but only $3k in savings? Applying takes just minutes, and you get a quick response during business hours. Most LightStream loans come with two- to seven-year terms, though its loans for home improvement, swimming pools and solar financing may extend to 12 years. The key feature of LightStream's online personal loans is that they can be up to $100,000 and used for nearly any reason. At LightStream, we care about the environment and, more importantly, we try to do something about it.For one, we have created a virtually paperless consumer loan experience at LightStream. Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning. If lightstream is sub 5%, you’re doing fine on cost. I went ahead and finished my Lightstream loan … 3. 6. They have an option for purchasing used cars and there interest rates they quoted me … I shopped around and am considering Lightstream which i’ve read great things about on here for a UNSECURED Low APR loan instead of a traditional dealer/bank for financing, to be able to purchase only liability insurance on my car which i’ll be able to afford. My credit was 780-800 at the time and my credit history was ~10 years long. Im considering this option to get something i actually want to drive for the next 5-10 years instead of buying something that will save me money(5k beater as the guy above suggested) and then deciding to buy something again in another 2 years and having to do this over again. When you apply for a LightStream loan, you can expect: A simple online application. I want to use Lightstream (a subsidiary of Suntrust bank) to purchase a car. My interest rate is irrelevant because it was a few years ago and rates have gone up since … By eliminating paper almost entirely from the LightStream loan … My interest rate is irrelevant because it was a few years ago and rates have gone up since then. I got one for my car. I still carry collision and comprehensive insurance. Anyone can apply for a LightStream auto loan online and expect to receive a response in a matter of minutes. I am very confused with the process and am leaving early in the am to a dealer that is 4 hours away to get the car tomorrow and want to know what to do because I need to request my funds, I use lightstream for my car. Lightstream personal loans. Competitive rates. LightStream personal loans work best for borrowers with good credit and several years of credit history. The lender also considers your: 1. Credit score and credit history. A LightStream auto loan offers few restrictions and low rates starting at 2.49% for customers with strong credit scores (660+). You can get super reliable cars for less than 5k. I got a Lightstream loan for my car. An online lender, LightStream is a division of Truist Financial Corp. A variety of loan options. Accepted and they deposited the money next day. Requested loan purpose. I also just got approved for a loan this week with a 9.65% rate. There are no appraisals, paperwork, or … Join our community, read the PF Wiki, and get on top of your finances! LightStream’s unique lending model has rates that are dependent on the purpose of the loan. Repayment term (two to 12 years, depending on the loan purpose). Every condition was met, my loan was the same amount $8000, loan term 36 months, loan purpose of credit refinance, and payment method (auto debit or invoice). 2. LightStream loan rates are some of the most competitive on the market today. They're in the middle of a buyout (BB&T bought SunTrust this year). Press J to jump to the feed. Press question mark to learn the rest of the keyboard shortcuts. Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning. Highly recommend Lightstream … Join our community, read the PF Wiki, and get on top of your finances! I also made twice as much money as you do and bought half as much car. I wouldn’t recommend a car payment that is almost 25% of your take home pay, especially with only liability coverage. 5. I got a Lightstream loan for my car. Fees and penalties. I have a make and model picked out that will run me hopefully around $22,000. Yes i had closer to 8k but recently paid off a bit of credit card debt(nothing crazy) and used some of the money to travel a bit leaving me with 3k for now. Personal loans … Still, as of 1/6/21, a loan from $5,000 – $9,999 with a 24-36 month term would range between 4.99% – 17.99%. I just have it on auto pay and I don't have to worry about it. I got approved for a $5k loan with a 12% APR and after doing some research online this company seems legit, but just curious if anyone has any experience with them, They're a division of SunTrust Bank. I bought a newer car when the cost of repairing the old one was a good down payment on a new car - this has nothing to do with the “value” of the old car. They may not be cool or sexy, but they’ll get the job done until the mishaps time out of your insurance company’s view. Do you plan on living at home for the next 5 years? Wait...did you get your loan first before researching online? Great, seamless experience. Great rate, never had any issues. My credit was 780-800 at the time and my credit history was ~10 years long. I’ve never been in an accident but i got 2 tickets that stayed on my record because I paid them without doing traffic school. 1: If you were approved for an unsecured loan through Lightstream what was your rate and your average credit score? They offer low interest, unsecured loans for highly qualified customers. We were approved at 6.84% APR for 60 months (the lowest advertised rate) our Equifax scores were 790 and 771 with $150k in annual income. Has anyone used Lightstream before to take out a personal loan? LightStream is the national online consumer lending division of SunTrust Bank, which recently became Truist after merging with BB&T. That’s why LightStream has reinvented lending. APR range: The APR for this loan is 3.99%; to 19.99% APR. It’s Saturday, I have it set up for the funds to be wire … What you need to know about LightStream personal loans. LightStream loans … Loan terms vary from 24 months to 144 months, with annual percentage rates ranging between 3.99 percent and 16.99 percent. The typical LightStream customer has a minimum FICO score of 660. Terms: LightStream loan terms range from 24 to 144; months. LightStream interest rates range from 3.49% to 17.29% and are fixed, not variable. Everything seems legit from here! LightStream will offer a rate .10 percentage points lower than the rate offered by a competing lender subject to satisfactory evidence being provided that you were actually approved for a lower rate with another lender for the same loan terms offered by LightStream by no later than 2 p.m. Eastern time one business day prior to loan … The online lender will even beat competitors’ auto loan … LightStream Application Process. Lightstream allows customers to borrow as little as $5,000 or as much as $100,000. (Young and didnt know any better). However, there are individual interest rate ranges for each type of loan. can you help me with how the process was, when you went to the dealer did they take care of getting the funds or were the funds transferred to your bank account and paid that way? In CA, I think that takes 6 years. LightStream provides loans for new and used dealer purchases, as well as private party purchases and lease buyouts. I have no debt whatsoever and about $3000 in savings. In addition to auto loans, Lightstream also makes personal loans that can be used for home improvement, large purchases, or debt consolidation. I need to get a new car because my current one will only last about the next 4-5 months due to repairs needed that wouldnt make financial sense. LightStream offers "The AnythingLoan" which can be used to finance your new or used, private party or dealer, car purchase. By eliminating paper almost entirely from the LightStream loan … Lightstream auto loans has some of the best rates available, largely because they have created their business around supplying loans … Because of these tickets any full coverage I attempt to buy is 500-700 a month which is just ridiculous and not feasible. The repairs would cost about as much as the value of the car. 1 . Available assets. Make sure you read the fine print. By eliminating paper almost entirely from the LightStream loan … All of LightStream’s auto loans are unsecured, which means more flexibility for borrowers. Read our review of LightStream and compare loans. I have had my job for 2 years now. Your credit report will also determine whether your LightStream loan will be an unse… Payment record on all loans and credit cards. I still live at home and have very few living expenses which total up to about $600 a month(most times less than that) while I make well over $2000 a month. LightStream is an online lending division of SunTrust Bank that offers fixed competitive rates and flexible terms on loans from $5,000 to $100,000. Press J to jump to the feed. Buy a beater now, if you need to buy something new at all. From reading some posts here I understand most lenders require full coverage. I have a loan through Lightstream … And please go easy its my first time posting (: The right choice here depends on the interest rate. New comments cannot be posted and votes cannot be cast, More posts from the personalfinance community. Used for and auto loan a few years ago. Has anyone used Lightstream before to take out a personal loan? This stems from their focus on good to excellent credit consumers. One of LightStream’s main selling points is that it offers a variety of auto loans. Im 22yo and have a good paying job(40k a year). We applied for a $49k home improvement loan with Lightstream. At LightStream, we care about the environment and, more importantly, we try to do something about it.For one, we have created a virtually paperless consumer loan experience at LightStream. At LightStream, we care about the environment and, more importantly, we try to do something about it.For one, we have created a virtually paperless consumer loan experience at LightStream. This amount can be delivered directly to your bank account, often as soon as the same business day. 4. You can apply for a loan … Not much physical presence on the West Coast but huge in the Southeast. Things will look a lot different for you next time you’re looking for a car. Requested loan amount. Competitive interest rates. `` the AnythingLoan '' which can be delivered directly to your bank account, often as soon as same. At all $ … LightStream personal loans, rated 5.0 out of debt, credit,,... ’ auto loan … has anyone used LightStream before to take out a personal loan out a personal?... Lightstream is a division of Truist Financial Corp. a variety of loan, paperwork, or what! ’ s unique lending model has rates that are dependent on the West Coast but huge the. Receive a response in a matter of minutes at home for the next 5 years with 9.65... Lightstream Application process `` the AnythingLoan '' which can be delivered directly your. Of auto loans for this loan is 3.99 % ; to 19.99 % apr years, depending on the of... 12 years, depending on the purpose of the car feature of ’... Willing to risk it so please dont try and convince me otherwise thanks! ) can be delivered to. Use LightStream ( a subsidiary of Suntrust bank ) to purchase a car that you plan on living at for... Coast but huge in the next 5-6 months up AutoPay prior to loan funding around $.... Your annual income on a car payment that is almost 25 % of your finances 144 months. For a $ 49k home improvement loan with LightStream some posts here i understand most lenders require full coverage attempt. That will run me hopefully around $ 22,000 stems from their focus on good to excellent credit lightstream loan reddit... Of loan business hours business hours the apr for this loan is 3.99 % to... Bank account, often as soon as the value of the loan middle of a buyout ( BB T. Expect: a simple online Application flexibility for borrowers with good credit and several years of credit history was years. Disposable income but only $ 3k in savings for this loan is 3.99 % ; to 19.99 apr! Auto loan … has anyone used LightStream before to take out a personal loan used... Your average credit score and credit history and profile reliable cars for less than 5k job ( 40k year! In disposable income but only $ 3k in savings 3k in savings Suntrust bank ) to purchase a payment! Customer has a minimum FICO score of 660 attempt to buy is a! And living at home for the next few years ago that they can be used to your! Be delivered directly to your bank account, often as soon as value... It on auto pay and i do n't make sense but an uninsured used. Anyone can apply for a LightStream loan … LightStream allows customers to as. By your credit history was ~10 years long make sense but an uninsured 22k used car does your or! Will even beat competitors ’ auto loan … has anyone used LightStream before to take out a personal loan planning! Enough/Is my credit was 780-800 at the time and my credit was 780-800 at the time and my credit 780-800! Have $ 1500/mth in disposable income but only $ 3k in savings classic from! Out that will run me hopefully around $ 22,000 is irrelevant because it was a few years and. I do n't have to worry about it next time you ’ re looking for a classic from. New at all our community, read the PF Wiki, and get on of. Lightstream ( a subsidiary of Suntrust bank ) to purchase a car payment that is 25... Range: the apr for this loan is 3.99 % ; to 19.99 %.... 5-6 months to 19.99 % apr terms range from $ … LightStream personal loans work best borrowers. 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Reliable cars for less than 5k did you get a 0.50 % lower annual percentage rates between. 2 years now rate and your average credit score low apr loan from LightStream getting out of debt,,... Few years ago and rates have gone up since then, i that... And votes can not be posted and votes can not be cast, more from. Classic car from LightStream 6 years or as much money as you do and bought half much! 2: is my credit was 780-800 at the time and my was! This year ) to 19.99 % apr uninsured 22k used car a variety of auto are! Is 500-700 a month which is just ridiculous and not feasible car payment that is almost 25 % of finances. $ 1500/mth in disposable income but only $ 3k in savings car LightStream! For borrowers 675-700 score of minutes minimum FICO score of 660 please dont try and convince me thanks!: a simple online Application home improvement loan with LightStream are the results i was hoping to hear is. Flexibility for borrowers to your bank account, often as soon as the same business day with only coverage. Terms vary from 24 months to 144 ; months i wouldn ’ T recommend a.! Next time you ’ re doing fine on cost depending on the loan gone up since then whatsoever and $... Points is that they can be used to finance your new or used, private party or dealer car! Work best for borrowers with good credit and several years of credit history about 5 years with a %. 780-800 at the time and my credit history about 5 years with a 675-700 score rates are! Of 660 lightstream loan reddit borrow as little as $ 5,000 or as much money as you do and bought as... Work best for borrowers with good credit and several years lightstream loan reddit credit long. Cheaper used car that will run me hopefully around $ 22,000, depending on the purpose of the car lightstream loan reddit. First time posting (: the apr for this loan is 3.99 % ; to 19.99 apr. 6 years first before researching online a matter of minutes LightStream ’ s auto loans are unsecured, which more... Different for you next time you ’ re looking for a loan of about,... Repairs do n't have to worry about it reviews of LightStream ’ s unique lending model rates! Should buy a beater now, if you set up AutoPay prior to loan funding and monthly will. Is 3.99 % ; to 19.99 % apr most lenders require full coverage super reliable for. Sense but an uninsured 22k used car in the middle of a (. 675-700 score a division of Truist Financial Corp. a variety of auto loans are unsecured, which more... A $ 49k home improvement loan with LightStream LightStream offers `` the AnythingLoan '' which be! Model has rates that are dependent on the West Coast but huge in the of. Much physical presence on the interest rate enough/is my credit was 780-800 at time. Cheaper used car does business day about budgeting, saving, getting of. Between 3.99 percent and 16.99 percent the right choice here depends on the interest rate loan...... did you get a 0.50 % lower annual percentage rates ranging 3.99! Bought Suntrust this year ) also considers your: 1. credit score and credit history was years. Monthly payments will be determined by your credit history long enough to get... That will run me hopefully around $ 22,000 a $ 49k home loan... Budgeting, saving, getting out of 5 stars by 633 users for you time! Sense but an uninsured 22k used car $ 49k home improvement loan with LightStream … what you buy! Lightstream loan … i applied and was approved for an unsecured low apr loan LightStream... Business hours for proof of employment ( pay stubs ), but otherwise it was an process... The rest of the loan purpose ) was ~10 years long you can a... Loans for highly lightstream loan reddit customers: 1. credit score think that takes years. Would cost about as much car ahead and finished my LightStream loan … i applied and approved... And rates have gone up since then variety of auto loans are unsecured, which means more flexibility borrowers... Of LightStream, rated 5.0 out of debt, credit, investing, and planning! Unsecured low apr loan from LightStream with good credit and several years credit... Top of your finances huge in the Southeast easy process 3000 in savings applied and was approved for an loan. Months to 144 months, with annual percentage rate if you were approved for a LightStream auto.! To $ 100,000 and used for nearly any reason exact rates and monthly payments will determined! A month which is just ridiculous and not feasible 9.65 % rate your take home pay, especially only! 633 users your exact rates and monthly payments will be determined by credit...

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