How To Pay Your SunTrust / LightStream Motorcycle Loan

Suntrust lightstream phone numberIf you have a motorcycle loan through LightStream, the online loan division of SunTrust Bank, you may already have chosen to use the AutoPay option in order to get the lowest rate on your loan. (AutoPay takes your payment straight from your bank account.)

However, if you did not, or if you want to make an extra payment on your loan, here’s what to do:

  • Online: You can log in to your account and make an extra payment on your loan. Note, however, that if you are not using AutoPay, you may NOT pay your regular payment through this system.
  • By Mail: If you are not on AutoPay, you will be billed monthly and you must send payment to the address on the invoice.

You can NOT pay a LightStream motorcycle loan by phone.

Suntrust Login – – Suntrust Online Banking Sign In

Suntrust lightstream phone number

SunTrust is an America based banking company that provides many kinds of financial products to their customers. SunTrust is a subsidiary organization of SunTrust Banks, Inc. SunTrust provides banking facilities to the individual business, corporate and institutional clients. According to SunTrust, they have more than 1,400 bank sections and 2,160 ATMs in the United States to provide a quality banking services to their customers.

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There is an online account system at the official web page of SunTrust. They have created the online account to provide all facilities and options of online banking to their cutest and clicks. You can get your SunTrust online account from any smart device. Just follow the login process and you will get access to your SunTrust online account.

If you are a computer device user, you can follow this process to get your SunTrust online account.

Step 1: At the first step, you have to manage the internet the connection at your computer device. Then on your internet browser and search for SunTrust online account or you can go here.

Step 2: Now you will get the official web page(homepage) of SunTrust Bank. At the upper part of the web page, you will see all related options related to SunTrust online account Login/Sign On. You just have to do this,

  • Select your online account type from Online Banking and Online Cash Manager.
  • Enter the User ID/Username of your SunTrust online account.
  • Provide the accurate password of your online account.

After following those statement you have to click on the Sign On option to get into your SunTrust online account from your computer device.

Suntrust lightstream phone number

As a customer of SunTrust Bank, you can also get your SunTrust online banking account on your own mobile device by following some simple steps. Those steps are given here.

Step 1: At the begging, you have to arrange the internet connection for your mobile device. However, after configuring the connection of the net, you should open your intent browser and search for SunTrust or you can go over here.

Step 2: Now you should get the official web page(homepage) of SunTrust Bank. You have to click on the Sign On option to get all login options.

Suntrust lightstream phone number

Step 3: After that, all login option will appear from the right side of the webpage. At first, you have to select the online account category of SunTrust Bank. After selecting the category put your User ID at the first option. Then write your online account’s correct password at the next option and click on the arrow option.

Suntrust lightstream phone number

SunTrust has created a mobile App for their customers. This App will give you instant and secure access to our personal SunTrust Banking(online) account anytime 24/7. It will also help you to monitor and manage your all account information and other options at once. You can also make payments and transfer funds and do mobile deposits via SunTrust mobile App. Finding nearest ATM and bank branches are also easy task at SunTrust Mobile App.

So, you have to follow this method to get into SunTrust Mobile App.

Step 1: Download the SunTrust mobile App from your own platforms app store.

Step 2: Now just open this App, at you will get the login page of SunTrust online account. After getting the online account login page, you have to provide your SunTrust online account User ID and then password. After providing the User ID and Password you can click on the Sign On option to get access to SunTrust Mobile App.

Suntrust lightstream phone number

If you have lost the password of your SunTrust online banking account, then must follow this easy method to recover your online banking account.

Step 1: At first you should have login options of SunTrust online account. You can go to the official webpage of SunTrust Bank.

Suntrust lightstream phone number

Step 3: Then another window will appear with all options to recover SunTrust online account. You just have to select the ‘I forgot my Password’ option and click Next .

Suntrust lightstream phone number

Step 4: Now you have to provide your SunTrust Bank online account User ID at the first option. Then you have to enter your Email address that was associated with SunTrust Bank. After providing that information you have to click on Reset Password option.

Suntrust lightstream phone number

If you can verify your identity to SunTrust Bank, then you will get the recovery options of your SunTrust Bank online account.

So, that’s all we have for SunTrust Bank online account login process. We have also added the account recovery options that would help you if you ever forgot the password. If you have any kinds of question or problems don’t forget to comment your problem or question in the comment section.

LightStream home improvement loan review

  • Clicking Go to site will take you to your Online Application on the product issuer's website. You do not need to be an existing customer of this provider to apply.
  • Your application will typically take you no more than 10-15 minutes to complete
  • Conditional approval will typically happen within 1 business day after submitting your application. In many cases, you will have your funds within a week.

If you’re looking to make improvements to your home and have good to excellent credit, this loan could be the solution to your financing needs.

Known for: LightStream believes that consumers with good credit deserve a simple loan process with a low APR and no fees.

The process of obtaining financing for home improvements can be laborious and costly. Many homeowners opt for a home equity line of credit (HELOC) to accomplish this task. But a HELOC comes with associated fees, and a variable APR can increase over the loan’s lifetime. A better choice is LightStream’s home improvement loan. It comes with no fees and a low fixed APR, and you can apply without stepping foot in a bank.

How does a home improvement loan through LightStream work?

Applying for your home improvement loan through LightStream is a simple online process. In addition to simplicity, the loan can offer significant savings with a low APR and no fees. Because it is an unsecured loan, no collateral is required — which means you retain your hard-earned home equity. However, a LightStream loan does require good to excellent credit.

Loan amounts range from $5,000 to $100,000 with a maximum loan term of 84 months (7 years).

Payment example: Monthly payments for a $10,000 loan at 5.99% APR with a term of 3 years would result in 36 monthly payments of $304.17.

Once approved, you must transfer the funds to your bank account within 30 days. After 30 days, you’ll need to reapply. Also, funds must be used for the purpose stated on your application and cannot be used for business purposes or for student loans.

What are the benefits of a LightStream home improvement loan?

  • Easy online process.
  • No fees.
  • No equity required.
  • Same-day funding today if you meet certain requirements †.

LightStream’s loan has few faults. Most complaints are due to not being approved, but this is a great loan if you have good to excellent credit. LightStream is so sure you’ll be satisfied with the loan process, it comes with a guarantee: after initiating a complaint and completing a questionnaire, you could receive $100 § . The loan is also backed by LightStream’s Rate Beat Program, which promises to beat another lender’s APR by 0.10 percentage points.

Be aware of the following:

  • If you choose to pay by invoice, your interest rate will be 0.50% higher*. Select AutoPay on loan acceptance to avoid the higher rate.
  • You must have a valid Visa or MasterCard credit card. This is for verification purposes only, and no charges are applied.
  • You must use loan proceeds for the purpose stated on your application.

How much will I pay for a home improvement loan through LightStream?

To start off, here’s a payment example: Monthly payments for a $10,000 loan at 5.99% APR with a term of 3 years would result in 36 monthly payments of $304.17.

Now that we’ve covered the basics, let’s look at the interest rate:

  • The interest rate is fixed. It won’t change over the lifetime of the loan.
  • Interest accrues daily, based on the unpaid principal balance. Your payment will first be applied to interest, with the remainder going toward principal.
  • Rates can be as low as 3.99%* withAutoPay. Rate is determined by the loan purpose, loan amount, loan terms and your credit profile.
  • You’ll save with AutoPay. If you choose to receive an invoice, your rate will be 0.50% higher*.

Interest rates are based a combination of loan amount and purpose, length of the loan and your credit profile.

Qualifying for a LightStream loan requires good to excellent credit, and you must have sufficient income to repay any existing debt in addition to the loan.

LightStream considers good credit to be:

  • Several years of credit history
  • Credit history with a variety of account types
  • Good payment history
  • Evidence of the ability to save

How to apply for a LightStream home improvement loan

Applying for a home improvement loan through LightStream is a simple online process that takes about 10 minutes. You will receive a response quickly if you apply during business hours.

To apply, you’ll be asked for your:

  • Personal info — your full name, home address, contact info, Social Security number, date of birth and driver’s license number, among other general information.
  • Income and employment — work status, annual income and sources, liquid assets and retirement assets.
  • Property info — total monthly housing costs, estimated equity in home, address, occupancy type and property type.
  • Security info for account setup — user ID, password and security question and answer.

If approved, simply e-sign your documents, set up payment information and set up your loan for funding. You can even receive your funds that same day, if you meet certain requirements †.

You’ve successfully qualified for a LightStream loan. But before you begin shopping for the perfect hardware for your new kitchen cabinets, it’s important to understand how to make payments on your new loan and take advantage of its features.

When you applied for your loan, you opted for either AutoPay or invoice:

  • AutoPay is automatically withdrawn from your bank account each month. Once you’ve set up this feature, you’re good to go. Selecting AutoPay results in a lower APR*.
  • Invoice payments must be returned by mail. You can’t make payments at or through a SunTrust Bank branch. Invoice payments result in a slightly higher APR, so consider setting up AutoPay to avoid a higher interest rate.

You could receive your funds the same day if you apply during a banking business day. If your application is approved, you must then complete the following steps by 2:30 p.m. EST:

  1. Review and electronically sign the loan agreement.
  2. Provide LightStream with your banking information and funding preferences.
  3. Complete the final verification process.

LightStream home improvement loan summary

Applying for a LightStream loan is a simple process for applicants with good to excellent credit. If your credit history enables you to qualify, this loan is a great option to finance your home improvement projects.

Have any more questions about LightStream home improvement loans?

No, you will not incur penalties or fees for paying off your loan early.

Is LightStream affiliated with SunTrust Bank?

Yes, LightStream is the online consumer lending division of SunTrust Bank.

Do I need to be an existing SunTrust customer to qualify for a LightStream loan?

No, LightStream serves customers across the United States.

How long will it take before I get an answer to my application?

Applicants typically receive an answer quickly during business hours. If additional information is required, a LightStream representative will follow up through email. The timing of LightStream’s response after that depends on how quickly you provide the requested information.

* Your APR may differ based on loan purpose, amount, term, and your credit profile. Rate is quoted with AutoPay discount, which is only available when you select AutoPay prior to loan funding. Rates under the invoicing option are 0.50% higher. Subject to credit approval. Conditions and limitations apply. Advertised rates and terms are subject to change without notice. Payment example: Monthly payments for a $10,000 loan at 5.99% APR with a term of 3 years would result in 36 monthly payments of $304.17.

†You can fund your loan today if today is a banking business day, your application is approved, and you complete the following steps by 2:30 p.m. Eastern time: (1) review and electronically sign your loan agreement; (2) provide us with your funding preferences and relevant banking information; and (3) complete the final verification process.

§ After receiving your loan from LightStream, if you are not completely satisfied with your experience, please contact them. They will email you a questionnaire so they can improve their services. When they receive your completed questionnaire, they will send you $100. LightStream’s guarantee expires 30 days after you receive your loan.

LightStream reserves the right to change or discontinue their guarantee at any time. Limited to one $100 payment per funded loan. LightStream and SunTrust teammates do not qualify for the Loan Experience Guarantee.