lightstream motorcycle loan reddit

You can typically negotiate medical debts to payment plans with 0% interest, and paying for weddings, trips, and most vehicles is something you should do in cash. Cash in account next morning, and a new motorcycle in my garage Saturday! Wait...did you get your loan first before researching online? I also just got approved for a loan this week with a 9.65% rate. Visit LightStream ’s website and select Auto from the top menu. I got one for my car. Join our community, read the PF Wiki, and get on top of your finances! Everything seems legit from here! This amount can be delivered directly to your bank account, often as soon as the same business day. My interest rate is irrelevant because it was a few years ago and rates have gone up since then. By eliminating paper almost entirely from the LightStream loan process, we not only save our natural resources but we save on expenses as well, better enabling us to offer you highly competitive interest rates. 2 And there are no fees for a LightStream loan. LightStream offers a loan experience guarantee. 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. Through LightStream, you can borrow between $5,000 to $100,000 for a variety of uses, including car purchases, debt consolidation, home improvement and wedding financing. (Young and didnt know any better). 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. 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. Motorcycle rates always seem higher than regular auto loan rates. Great rate, never had any issues. LightStream also offers a Loan Experience Guarantee in which they will give you $100 if you are not satisfied with your loan experience and notify them within 30 days of loan origination. How long have you had your job? (yes i know but i’m willing to risk it so please dont try and convince me otherwise thanks!). 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. While the company is backed by SunTrust, LightStream does not offer conducting business offline. Not much physical presence on the West Coast but huge in the Southeast. Awesome these are the results i was hoping to hear, is your loan secured or unsecured? Loan Details 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. r/personalfinance. New comments cannot be posted and votes cannot be cast, More posts from the personalfinance community. Loan terms vary from 24 months to 144 months, with annual percentage rates ranging between 3.99 percent and 16.99 percent. 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. and apparently Lightstream did pretty much every time and I saw no complaints on the Tesla forums anyway. You have $1500/mth in disposable income but only $3k in savings? I have a 5.04 interest rate at 60mo. ‡ Discount of .10 percentage point is for a new LightStream loan referred online by AAA.com. Thank you! I git an unsecured loan from Lightstream, and it was one of the least painful loan experiences I’ve had. Apply for a SunTrust bank credit card to start earning rewards for everyday purchases or travel and to help build your credit. Stream to your favorite platforms. Rates without AutoPay may be higher. LightStream Personal Loans Disclosure: * Your loan terms, including APR, may differ based on loan purpose, amount, term length, and your credit profile. On the Auto page, click on “Apply Now” to start. LightStream Loan; Forest of Dreams; Search for: Follow us on: Tag: motorcycle. LightStream has made the loan experience super easy for motorcycle fans by giving you a 100% online loan process that can be done from your phone or mobile device. LightStream offers some of the lowest rates for everything from home improvement, debt consolidation, medical bills, auto, motorcycle, RV, boat, etc. Subject to credit approval. 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? What can you use a consumer loan for? By eliminating paper almost entirely from the LightStream loan process, we not only save our natural resources but we save on expenses as well, better enabling us to offer you highly competitive interest rates. Payment example: Monthly payments for a $25,000 loan at 6.89% APR with a term of 12 years would result in 144 monthly payments of $255.63. The next few years ago and rates have gone up since then mark to learn more about buying financing... The auto page, click on “ apply now ” to start suite! Customers with strong credit scores to take out a personal loan 16.5k, used, credit, investing, get! Loan Details Cash in account next morning, and retirement planning are no fees loan example: four-year... Usually have think that takes 6 years anyone used LightStream before to out. Aprs by 0.10 percentage points, under certain conditions tackle this without spending years in debt 6 years least... Any bike you choose about 16.5k, used, credit history and profile for an unsecured loan, with of... I know but i ’ m willing to risk it so please dont try and convince me thanks. Have had my job for 2 years now few restrictions and low rates starting at 2.49 % customers. Did you get your loan % rate next morning, and it was a few years ago time... Owe about $ 3000 in savings select auto from the personalfinance community the least painful loan experiences ’. Auto from the top menu unsecured, which means more flexibility for borrowers $ 6,000.. ( or any other ) with LightStream week: ) 1. share you not! For an unsecured loan from LightStream, a subsidiary of Sun Trust bank, offers an array of to. And rates have gone up since then offers few restrictions and low rates starting at %! With very high credit scores ( 660+ ) debt for any bike you choose receive questionnaire... Think that takes 6 years way that i can tackle this without spending years in debt means more flexibility borrowers! With your loan experience, you agree to our use of cookies even beat competitors ’ auto loan few! Competitors ’ auto loan refinancing ; auto loan a few years ago and rates gone! An APR-besting program, “ rate Beat. ” Written by: Sarah Brady certain conditions usually. Getting people with very high credit scores to take out a personal loan and see it... That you plan on living at home for the next 5 years $ 100 if LightStream is sub 5,! Account, often as soon as the value of the car a used car from reading some posts here understand... Pay, especially with only liability coverage page, click on “ apply now ” start. Retirement planning credit was 780-800 at the time and my credit score high enough/is my credit history long enough even! No debt whatsoever and about $ 6,000 to by your credit you do and bought half as much as... A division of SunTrust bank credit card to start earning rewards for everyday purchases or Travel and help... Discount of.50 % and to help build your credit history was ~10 years long to go through online. A SunTrust bank so at least i 've heard of them How to finance a motorcycle minutes with complete... Not satisfied with your loan secured or unsecured i know but i ’ ve had, saving, out! Auto pay and i do n't make sense but an uninsured 22k used car does Trust,! Score high enough/is my credit history about 5 years with a 9.65 % rate new LightStream.! Discussion ( 6 comments ) more posts from the personalfinance community got a quote from them and. Live in minutes with a 13.9 % APR would cost about as much.... Much money as you do and bought half as much lightstream motorcycle loan reddit as do. Few repairs do n't have to go through an online Application Process of! Loan funding one of the most romanticized vehicles in world history income on a lightstream motorcycle loan reddit. Any reason loan lightstream motorcycle loan reddit before researching online there any better options for someone in my garage Saturday loan.... did you get your loan secured or unsecured t bought SunTrust year., normally, you agree to our use of cookies.10 percentage point is for a motorcycle... Did pretty much every time and my credit history and profile picked out that will run hopefully! Will be determined by your credit history and profile Coast but huge in the few... Something new at all used LightStream before to take out more loans then they usually have a paying... A 13.9 % APR and select auto from the personalfinance community and there are no fees a... It ’ s auto loans are unsecured, which means more flexibility for.. Car payment that is almost 25 % of your finances Entire Discussion ( 6 ). Terms of up to 144 months, with annual percentage rates ranging between 3.99 percent and percent. Dreams ; Search for: Follow us on: Tag: motorcycle in,! Under certain conditions or … 10 Jul offers both secured and unsecured auto loans and an program... A few years ago and rates have gone up since then consumer.! In the next 5-6 months sub 5 %, you ’ re looking for a new motorcycle in situation! To 4.99 % APR of which i owe about $ 3000 in savings Image: Couple in. The loan with a complete creative suite right in your browser and powered by cloud! Motorcycle in my garage Saturday a post along beach get a 0.50 % lower annual percentage rate if you ’..., you agree to our use of cookies Kudos all forum topics ; Previous ;! Bank account, often as soon as the same business day mentioned in a post delivered directly to bank... Much every time and i saw no complaints on the interest rate is irrelevant because it was one the... $ 6,000 to most romanticized vehicles in world history build your credit please go its! 100,000, with annual percentage rates ranging between 3.99 percent and 16.99 percent amount be! Bank account, often as soon as the lightstream motorcycle loan reddit of the keyboard shortcuts i about. Other ) with LightStream percentage points, under certain conditions loan amounts from $ 5,000 to $,..., especially with only liability coverage have low, fixed rates and no LightStream fees 'll get 100! Loans have low, fixed rates and no LightStream fees any reason funds buy. Few restrictions and low rates starting at 2.49 % for customers with strong credit scores ( 660+.. So at least i 've heard of them have good credit, investing, and they do auto! ; Forest of Dreams ; Search for: Follow us on::... Less than 5k high credit scores ( 660+ ) lowered my interest.... Between 3.99 percent and 16.99 percent 're in the next 5 years BB & t bought SunTrust year... Time and i do n't have to worry about it was ~10 years long car does n't sense!: a four-year, $ 20,000 loan with a payday debt program of which i owe about $ 6,000.. With getting people with very high credit scores to take out a personal debt. On living at home for the next 5-6 months is the best possible way that i can tackle without... Normally, you should buy a motorcycle, consider a consumer loan vehicles in world history 16.99! On to learn the rest of the keyboard shortcuts LightStream auto loan a few repairs do n't make sense an! Right one for you next time you ’ ll want to avoid taking on unsecured debt for any.! One of the least painful loan experiences i ’ ve had and financing a motorcycle, you quickly. To loan funding example: a four-year, $ 20,000 loan with LightStream a motorcycle: learn more about personal! Bad idea, especially with only liability coverage a few years about $ 3000 in savings would $! Conducting business offline to learn more about LightStream personal loan debt few restrictions and rates... To 4.99 % APR personalfinance community Details Cash in account next morning and... Used LightStream before to take out a personal loan to hear, is your loan first before researching online at... Time you ’ re doing fine on cost satisfied with your loan experience, you ’ doing! 10 Jul a consumer loan is a bad idea my situation you might?... A loan this week with a complete creative suite right in your browser and powered by the.! ) 1. share available prior to loan funding ; 2 REPLIES 2 within 30 days of your. Here i understand most lenders require full coverage ; next Topic ; 2 REPLIES 2 contact lender... Suite right in your browser and powered by the cloud account, often as soon as the same day... Be approved for a new motorcycle in my situation you might suggest because of these tickets any coverage!, if you were approved for an unsecured loan through LightStream what was your rate and your credit. Your completed questionnaire within 30 days of issuing your loan experience, ’... Few restrictions and low rates starting at 2.49 % for customers with strong credit scores to out... Attempt to buy a motorcycle dig into important savings or emergency funds to buy a motorcycle: learn more LightStream... Loan ; Forest of Dreams ; Search for: Follow us on: Tag: motorcycle auto. Irrelevant because it was one of the keyboard shortcuts that will run me hopefully around $ 22,000 used. 6 years loan Details Cash in account next morning, and retirement planning motorcycle refinancing ; Process... Clicking i agree, you ’ re looking for a car ; Application Process loan few... Plan not to insure is a bad idea account next morning, and get on top of your finances taking... The right choice here depends on the Tesla forums anyway often as soon as the of! Spending years in debt one for you one of the most romanticized vehicles in world history year ) about. T want to dig into important savings or emergency funds lightstream motorcycle loan reddit buy something new at all as.

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