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lightstream.com

Get LightStream loan rates for a purpose, amount and term

Run LightStream's rates and terms calculator for a loan purpose, amount, term in months and payment method (AutoPay or invoice), without an application or credit check. Returns the APR range and the estimated monthly payment range for that combination, the amount and term bounds LightStream accepts for the purpose, the rate date, and the full published grid of APR ranges by amount band and term band. Car financing is covered by the new_auto, used_auto_dealer, used_auto_private, lease_buyout and auto_refinance purposes. The exact rate inside the range depends on the applicant's credit profile, and invoicing runs half a point above AutoPay. Out-of-range requests fail with the allowed range.

Input

term required

Repayment term in months.

amount required

Loan amount in US dollars.

purpose required

What the loan finances. Bounds depend on it; auto purposes accepted $5,000 to $100,000 over 24 to 84 months in September 2026.

payment_method optional

AutoPay is the quoted rate; invoicing is priced 0.50 points higher.

Default: "autopay"

Output

url required
amount required
bounds required
apr_max required

Highest APR in the quoted range, percent.

apr_min required

Lowest APR in the quoted range, as a percentage (8.49 means 8.49%). Requires an excellent credit profile.

purpose required
rate_table required

LightStream's published grid for this purpose and payment method: one row per amount band, one cell per term band.

rates_date required

Date the displayed rates are effective, as shown on the page.

disclosures required
term_months required
payment_method required
monthly_payment_max required

Estimated monthly payment at apr_max, US dollars.

monthly_payment_min required

Estimated monthly payment at apr_min, US dollars.

FAQ

Run LightStream's rates and terms calculator for a loan purpose, amount, term in months and payment method (AutoPay or invoice), without an application or credit check. Returns the APR range and the estimated monthly payment range for that combination, the amount and term bounds LightStream accepts for the purpose, the rate date, and the full published grid of APR ranges by amount band and term band. Car financing is covered by the new_auto, used_auto_dealer, used_auto_private, lease_buyout and auto_refinance purposes. The exact rate inside the range depends on the applicant's credit profile, and invoicing runs half a point above AutoPay. Out-of-range requests fail with the allowed range.
Required: purpose, amount, term. Optional: payment_method.
It returns url, amount, bounds, apr_max, apr_min, purpose, rate_table, rates_date, disclosures, term_months, payment_method, monthly_payment_max, monthly_payment_min.
No. It only uses pages of lightstream.com that are reachable without signing in.
It only reads. It looks things up on lightstream.com and changes nothing there.
Ask an AI agent connected to Reduck to run reduck/lightstream.com/get-loan-rates, or run it from a terminal with the Reduck CLI: npx @reduck-ai/cli@latest run --script reduck/lightstream.com/get-loan-rates
It is part of Reduck's official curated catalogue.

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