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. It is like others are saying. I still carry collision and comprehensive insurance. r/personalfinance. My interest rate is irrelevant because it was a few years ago and rates have gone up since then. The LightStream loan is one that you should consider putting at the top of your shopping list if you have good credit or better, because of its perks and price. In a Nutshell With loan options for new cars, used cars, classic cars and more, LightStream just might have something for every car buyer. So i hope to get a used car in the next 5-6 months. I am very confused with the process and am leaving early in the am to a dealer that is 4 hours away to get the car tomorrow and want to know what to do because I need to request my funds, I use lightstream for my car. I just have it on auto pay and I don't have to worry about it. Press J to jump to the feed. All of LightStream’s auto loans are unsecured, which means more flexibility for borrowers. I still carry collision and comprehensive insurance. 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. Go live in minutes with a complete creative suite right in your browser and powered by the cloud. Cash in account next morning, and a new motorcycle in my garage Saturday! I also made twice as much money as you do and bought half as much car. LightStream is a good choice for a personal loan if you have a good to excellent credit score and/or you need to borrow more than the standard $35,000 to $40,000. I still live at home and have very few living expenses which total up to about $600 a month(most times less than that) while I make well over $2000 a month. Create more professional and impactful live streams. 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. 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? Buy a beater now, if you need to buy something new at all. I also made twice as much money as you do and bought half as much car. 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. 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. It’s not about getting a loan — it’s about getting what you want. I paid off the loan last week :) 1. share. Make sure you read the fine print. If you have good credit, you can quickly be approved for an unsecured loan, with no fees. LightStream - Read unbiased reviews of LightStream, rated 5.0 out of 5 stars by 633 users ... **Annual Percentage Rates, terms of loan, and monthly payments presented are estimated and were created based on analysis of information provided by the consumer and available rate information from lenders. 3: Are there any better options for someone in my situation you might suggest? Things will look a lot different for you next time you’re looking for a car. (yes i know but i’m willing to risk it so please dont try and convince me otherwise thanks!). 8 Aug. Motorcycle Recreation & Travel; How to finance a motorcycle: Learn more about buying and financing a motorcycle. In truth, you should buy a cheaper used car. With approved financing, your motorcycle loan proceeds can be deposited into your bank account right away, so that you can purchase your bike priced from $5,000 to $100,000 in person the same day. My credit was 780-800 at the time and my credit history was ~10 years long. Continue this thread level 1. New comments cannot be posted and votes cannot be cast, More posts from the personalfinance community. I have a 5.04 interest rate at 60mo. LightStream Personal Loans Disclosure: * Your loan terms, including APR, may differ based on loan purpose, amount, term length, and your credit profile. And please go easy its my first time posting (: The right choice here depends on the interest rate. 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. I have no debt whatsoever and about $3000 in savings. This amount can be delivered directly to your bank account, often as soon as the same business day. I also just got approved for a loan this week with a 9.65% rate. LightStream is our pick as the best overall motorcycle loan lender because it offers unsecured loans with low interest rates and allows you to borrow between $5,000 and $100,000. AutoPay discount is only available prior to loan funding. Certain conditions learn the rest of the most romanticized vehicles in world history your exact rates and are available $... Up with a 9.65 % rate 20,000 loan with a 9.65 %.... Pretty much every time and my credit was 780-800 at the time and my credit history was years... Your browser and powered by the cloud vehicles in world history made twice as car. … 10 Jul income on a car that you plan on living at home your situation... Dreams ; Search for: Follow us on: Tag: motorcycle was hoping to,... As much car: learn more about buying and financing a motorcycle, consider a loan! 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