2026 myAutoloan Lending Platform Review
Best for those comparison shopping for auto loans: This one-stop service will best serve comparison shoppers with a credit score of at least .
LightStream auto loan rates and terms
| Starting annual percentage rate (APR) | Loan terms | Loan amounts | Fees
Fee information in this review reflects what the lender publicly discloses on its website or to LendingTree directly, and doesn’t necessarily cover all fees that exist. Other fees may apply. “Not specified” means the lender has not provided fee details to us and/or doesn’t publish its fees.
| Minimum credit score | ||
|---|---|---|---|---|---|---|
| New auto loans | Not specified | Not specified to Not specified months | Starting at Not specified | Not specified | ||
| Used auto loans | 5.99% | Not specified to Not specified months | Starting at Not specified | Not specified | ||
| Refinance auto loans | 6.99% | 24 to 144 months | Starting at $5,000 | Not specified |
LightStream pros and cons
Pros
- Possible to qualify with less-than-perfect credit
- May receive funding in as little as 24 hours
- Multiple loan offers are possible from different lenders
- Flexible loan terms starting at only Not specified months
Cons
- Not available to residents of Alaska or Hawaii
What you need to get a car loan with LightStream
- Minimum credit score:
- Minimum income: $21,600 per year for purchase, private party or lease buyout auto loans, $18,000 per year for refinances
- Age requirements: Borrower and any co-applicants must be at least 18 years old
- Vehicle requirements: 10 years old or less, with a maximum of 125,000 miles
- Other requirements: No loan offer form submitted for the same loan type in the past 31 days
How LightStream ’s starting rates compare to LendingTree’s lowest offers
Below are average starting APRs from LendingTree partners. Some of LightStream ’s partner lenders offer starting rates below these averages:
- Not specified APR for new auto loans
- 5.99% APR for used auto loans
- 6.99% APR for auto refinance loans
Bear in mind that your offer may vary depending on the vehicle and your credit history. Starting rates and averages may not represent the best offer you receive as an individual. You can use LendingTree’s auto loan calculator to estimate how much your monthly payments will be for your loan amount, term and APR offer.
| Credit range | Average lowest APR for new auto loan offers | Average lowest APR for used auto loan offers | Average lowest APR for auto refi loan offers |
|---|---|---|---|
| Excellent (800+) | 7.16% | 9.34% | 5.06% |
| Very good (740 – 799) | 8.07% | 8.47% | 5.29% |
| Good (670 – 739) | 11.34% | 13.30% | 6.13% |
| Fair (580 – 669) | 20.51% | 22.36% | 9.02% |
| Poor (under 580) | 22.85% | 24.35% | 13.70% |
Estimate your monthly payment
About 5% of people with an auto loan are behind on payments, according to a LendingTree study. Using an auto loan calculator before signing on the dotted line can help you avoid taking on more than you can handle.
Types of LightStream auto loans
LightStream offers several types of auto loans. Here are the available auto loan options:
- New and used auto loans: LightStream connects you with both new and used auto loans.
- Refinance auto loans: Refinance your car loan to potentially reduce monthly payments with a lower interest rate, starting at 6.99% APR.
- Private-party auto loans: Get fast financing for a private party vehicle purchase with rates as low as 6.49% APR.
- Lease buyout: Buy out your leased vehicle at the end of the lease term or prior, with rates starting at 5.99% APR.
When banks compete, you win
Customers who used LendingTree to shop for car loans in July 2025 saved an average of $2,346 by choosing the offer with the lowest APR. Here’s how it works.
Tell us what you need
Take two minutes to tell us who you are and how much money you need for your vehicle — we’ll take care of the rest. It’s free, simple and secure.
Shop your offers
We’ll send you offers from up to five trusted lenders. Compare your offers side by side to see which one will save you the most money.
Get your money
It’s smooth sailing once you finalize your loan with your lender — you could see money in your account in as soon as 24 hours.
Is a LightStream auto loan right for you?
If you’re looking for convenience, LightStream lets you compare up to four offers from different lenders with a single application. It’s a great option for borrowers with credit scores as low as to find options for bad credit auto loans. Plus, the online process is quick, allowing you to get offers and make decisions faster.
Shop around for car insurance on the LendingTree marketplace to find affordable rates. Among consumers who switched providers, 92% said they saved money and nearly two-thirds saved at least $100 on their annual car insurance rate, according to a LendingTree survey.
How LightStream auto loans compare
How does LightStream stack up against other lenders? Take a look at our comparison of LightStream to Digital Federal Credit Union (DCU) and Southeast Financial Credit Union (SFCU) new auto loans:
| LightStream | Digital Federal Credit Union (DCU) | Southeast Financial Credit Union (SFCU) | |
|---|---|---|---|
| Starting APR | Not specified | 5.49% (with autopay) | 5.00% |
| Loan terms | Not specified to Not specified months | Not specified to 84 months | 12 to 84 months |
| Loan amounts | Starting at Not specified | Not specified to Not specified | Not specified to $100,000 |
| Fees
Fee information in this review reflects what the lender publicly discloses on its website or to LendingTree directly, and doesn’t necessarily cover all fees that exist. Other fees may apply. “Not specified” means the lender has not provided fee details to us and/or doesn’t publish its fees.
| Not specified | None | Up to doc fee |
| Minimum credit score | 600 |
You can explore Digital Federal Credit Union (DCU) and Southeast Financial Credit Union (SFCU) as alternative auto loan options, comparing their rates and terms to find the best fit for you.
Frequently asked questions
LightStream works with borrowers with various credit scores, but to qualify for an auto loan, it requires a minimum credit score of . As with many auto loans, higher credit scores often get better rates, so borrowers with lower credit scores shouldn’t expect to be offered lower rates from lenders.
LightStream typically provides loan offers within minutes of completing the application. Once approved, you may receive payment within 24 hours.
Most auto loans are secured, but whether or not your LightStream auto loan will be secured or unsecured depends on the lender.
Get auto loan offers from up to 5 lenders in minutes