Loan purposes.

Lightstream makes fixed-rate loans for 29 stated purposes across five categories. Every purpose is priced from the same rate schedule; your rate is determined by the purpose, amount, term, and your credit profile. Rates shown below assume excellent credit and include the AutoPay discount.^*

Checking your rate does not affect your credit score.

Auto

7 loan purposes

Auto refinanceA fixed-rate loan that refinances an existing auto loan, priced on your credit profile. The vehicle and title stay the same.From 7.74% APR with AutoPay^*Classic carA fixed-rate loan for the purchase, restoration, or auction cost of a collector vehicle, kept separate from your daily driver.From 8.49% APR with AutoPay^*Lease buyoutA fixed-rate loan for the residual value on a leased vehicle, so you can purchase the car at the end of the lease.From 7.99% APR with AutoPay^*MotorcycleA fixed-rate loan for the purchase of a new or used motorcycle, from a first street bike to a fully restored model.From 8.74% APR with AutoPay^*New carA fixed-rate loan for the purchase of a new vehicle, with your rate settled before you reach the dealership.From 7.74% APR with AutoPay^*Private party autoA fixed-rate loan for a vehicle bought directly from a private seller, with funds deposited to your account to close the purchase.From 8.99% APR with AutoPay^*Used carA fixed-rate loan for the purchase of a used car, with the amount based on the vehicle's value and your credit profile.From 7.99% APR with AutoPay^*

Home improvement

6 loan purposes

Basement remodelA fixed-rate loan for finishing a basement, covering framing, insulation, and flooring, with no home equity required.From 7.24% APR with AutoPay^*Home improvementA fixed-rate loan for roofing, siding, windows, or an addition, financed without placing a second lien on your home.From 7.24% APR with AutoPay^*Hot tubA fixed-rate loan for a hot tub, covering the unit, delivery, electrical work, and the pad it rests on.From 7.74% APR with AutoPay^*Kitchen remodelA fixed-rate loan for a kitchen remodel, covering cabinets, countertops, and appliances, with no home equity required.From 7.24% APR with AutoPay^*LandscapingA fixed-rate loan for landscaping work, including grading, hardscape, irrigation, and planting, funded before work begins.From 7.49% APR with AutoPay^*Swimming poolA fixed-rate loan for an in-ground or above-ground pool, covering excavation, installation, and finishing as one project.From 7.49% APR with AutoPay^*

Recreation

6 loan purposes

AircraftA fixed-rate loan for the purchase of a fixed-wing aircraft or rotorcraft, with clear terms and no balloon payment.From 9.99% APR with AutoPay^*BoatA fixed-rate loan for the purchase price, transport, and pre-purchase inspection of a sail or power boat.From 9.49% APR with AutoPay^*Boat repairA fixed-rate loan for boat repairs, including engine work, hull repair, and yard fees, funded in time for the season.From 9.74% APR with AutoPay^*Destination clubFinancing for the membership and initiation costs of a destination or fractional travel club, at a fixed rate.From 10.24% APR with AutoPay^*RVA fixed-rate loan for the purchase of a motorhome, travel trailer, or fifth wheel, repaid in fixed monthly payments.From 9.49% APR with AutoPay^*TimeshareA fixed-rate loan for the purchase or upgrade of a timeshare interest, repaid on fixed terms instead of resort financing.From 10.49% APR with AutoPay^*

Family

3 loan purposes

AdoptionA fixed-rate loan for adoption costs, including agency fees, legal expenses, and travel, funded before they come due.From 8.49% APR with AutoPay^*PreK–12 educationA fixed-rate loan for private school tuition, spread into fixed monthly payments rather than a single sum due at enrollment.From 8.99% APR with AutoPay^*WeddingA fixed-rate loan for wedding expenses, including the venue, catering, and vendors, combined into one monthly payment.From 9.49% APR with AutoPay^*

Anything else

7 loan purposes

Anything elseFinancing for projects that do not fit a standard category, unsecured and deposited directly to your account.From 10.99% APR with AutoPay^*Debt consolidationA fixed-rate loan that combines several credit card balances into one fixed monthly payment at a single rate.From 10.74% APR with AutoPay^*HorseA fixed-rate loan for the purchase price, transport, and pre-purchase veterinary exam of a horse.From 10.49% APR with AutoPay^*Horse trailerA fixed-rate loan for the purchase of a horse trailer, financed separately from the animal it carries.From 10.49% APR with AutoPay^*JewelryA fixed-rate loan for an engagement ring, watch, or other piece, financed without store-card deferred interest.From 10.99% APR with AutoPay^*Land purchaseA fixed-rate loan for the purchase of raw land or a buildable lot, without requiring the acreage as collateral.From 9.99% APR with AutoPay^*Tiny homeA fixed-rate loan for a prefabricated or site-built tiny home, financed as a single major purchase.From 10.24% APR with AutoPay^*

Disclosures

*Loan terms vary by loan purpose, amount, term, and credit profile. The lowest advertised rates require excellent credit. 29.46% of approved applicants who applied for the lowest rate qualified for it, based on data from 01/01/2026 to 03/31/2026. The rate quoted includes the AutoPay discount; the AutoPay discount is only available prior to loan funding, and rates without AutoPay are 0.50% points higher. All loans are subject to credit approval; additional conditions and limitations apply. Advertised rates and terms are subject to change without notice.

Payment example: Monthly payments for a $10,000 loan at 7.24% APR with a term of 3 years would result in 36 monthly payments of $309.87.

Maximum APR for a Lightstream loan is 25.39%. Loan terms range from 24 – 240 months depending on the loan purpose.