LightStream

• Rate Beat Program
• Same-Day Funding
• $100 Satisfaction Guarantee
• No Vehicle Requirements
• Plant a Tree
• AutoPay Discount

Rate Beat Program

LightStream offers a Rate Beat Program. If you find and are approved for a lower rate with another lender, this company will beat the competing rate by 0.10 percent.

Same-Day Funding

With LightStream, same-day funding is available. This is not always an option when it comes to auto financing.

$100 Satisfaction Guarantee

Lightstream offers an interesting guarantee to customers. If you're not completely satisfied with your loan experience, contact the company. It will email you a questionnaire and send you $100 for filling it out. This guarantee expires 30 days after you get your loan.

No Vehicle Requirements

While many car loan companies have vehicle requirements outlining which makes and models it will finance and which it won't, this company is more lax. LightStream is more stringent with its borrowers than they are about vehicle requirements for lending.

Trees

If you like trees and the environment, you should know that LightStream works with a foundation called American Forests. Since 2013, the lender has planted a tree for every loan funded.

Autopay Discount

Like many auto lenders, if you sign up for autopay, you can get a rate discount of 0.5 percent APR.

• Credit Score

Credit Score

Although LightStream has excellent options for car loans, unfortunately, the company requires customers to have good or excellent credit. If you want to qualify for a loan with LightStream, you need to have a solid history of good credit.