lightstream loan calculator

Boat Financing and Loan Options · Overview · Car Loans · Car Sales · Refinance Car Loan · Car Loan Calculator · Payment Options · RV Loans · Boat Loans. Maximum APR for a LightStream loan is 20.49%. Business Hours (Eastern time). Customer Service. Hot Tubs with Financing – What's the Cost Per Month? Hot Tub Financing | LightStream Hot Tub 0% Finance Calculator | Tubs Direct. lightstream loan calculator

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Lightstream loan calculator

LightStream Personal Loans Review 2021

Personal loan applications are approved or declined based on a number of factors. All lenders have their own unique underwriting requirements, but these typically include information from an applicant’s credit profile and other factors that demonstrate the ability to repay the loan, such as income. Meeting the requirements below won’t guarantee approval, but they can help you decide if a personal loan is the right fit for you.

Credit Score Requirements

To qualify for a LightStream loan, applicants must have a minimum FICO credit score of at least 660. What’s more, a strong applicant will have several years of credit history, including multiple account types—credit cards, auto loans and mortgage debt, for example—as demonstrated by their credit profile. While a good credit score may be enough to get approved, the lowest rates require excellent credit.

Unlike many other online lenders, LightStream does not have a prequalification process. Therefore, prospective borrowers must submit a formal application and submit to a hard credit check to find out if they qualify and, if so, at what rate.

Income Requirements

To get approved, LightStream requires loan applicants to have income that is stable enough and sufficient to repay both current debt obligations and a new LightStream loan. In addition to income requirements, LightStream evaluates applicants based on their liquid assets, cash down payments on real estate, retirement savings and revolving lightstream loan calculator card debt. Keep in mind, however, that LightStream does not consider income that is derived from the marijuana industry.

Taken along with the purpose of the loan, these factors help determine an applicant’s debt-to-income (DTI) ratio and likelihood of approval.

Co-signers and Co-applicants

LightStream does not allow co-signers, but prospective borrowers can submit a joint application. In contrast to some lenders, co-applicants do not need to live at the same address as the primary applicant.

Prospective borrowers must indicate at the beginning of the application process that they’ll be filing a joint application and provide details about both applicants in the online application. LightStream will then weigh each applicant’s credit, income and other details equally when evaluating the application.

Источник: https://www.forbes.com/advisor/personal-loans/lightstream-personal-loans-review/

LightStream Personal Loans: 2021 Review

Availability

LightStream got high marks for its same-day loan approval and funding. However, it doesn’t disclose its minimum income requirement, which makes it more difficult for potential borrowers to know if the lender fits their needs. LightStream’s $5,000 minimum loan amount is high for borrowers who only need small loans, and several of the lenders we reviewed offer as little as $1,000.

Affordability

LightStream’s low minimum APR and lack of fees earned it a perfect score for affordability.

Customer Experience

Customers can apply for loans chase student loan national recovery group lightstream loan calculator their accounts entirely online, and customer support is available six days a week.

Methodology

Bankrate’s reviews of lenders that offer personal loans are based on Availability, Affordability and Customer Experience, evaluating features like how long it takes borrowers to get approved and get their money, minimum APRs and convenient online applications and account access.

Editorial disclosure: All reviews are prepared by Bankrate.com staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the lender’s website for the most current information.

Источник: https://www.bankrate.com/loans/personal-loans/reviews/lightstream/

1Your APR may differ based on loan purpose, amount, term, and your credit profile. Rate is quoted with SwimmingPool.com discount and AutoPay repayment discount, which is only available when you select AutoPay prior to loan funding. Rates under the invoicing option are 0.50% points higher. Excellent credit is required to qualify for the lowest rates. Subject to credit approval. Conditions and limitations apply. Advertised rates and terms are subject to change without notice.

Payment example: Monthly payments for a $25,000 loan at 6.39% APR with a term of 12 years would result in 144 monthly payments of $249.04.

Discount of .50 percentage points is for a new LightStream loan referred online by Swimmingpool.com. Borrower must apply directly through this website, and with cookies activated on their browser, in order for this offer to be tracked and valid.

Sun Trust Bank IconTruist Bank is an Equal Housing Lender. © 2021 Truist Financial Corporation. SunTrust, Truist, LightStream, the LightStream logo, and the SunTrust logo are service marks of Truist Financial Corporation. All other trademarks are the property of their respective owners. Lending services provided by Truist Bank.

Источник: https://www.swimmingpool.com/resources/financing/

RV Loan Calculator: Estimate Your Payments

A recreational vehicle (RV) loan provides financing for a purchase of a new or used RV, motorhome or camping trailer. RV loans come with various annual percentage rates (APRs), loan amounts and terms, which together result in different sized monthly payments.

Comparing these rates and terms can get confusing, especially if you don’t fully understand how to crunch the numbers. This simple, easy-to-use RV loan calculator can help you understand and estimate your payments.

How to Use This RV Loan Calculator

To use this RV loan calculator, type in the amount you’ll need to borrow, the interest rate and the term. Next, click submit to see your estimated monthly payment and total interest paid over the life of the loan.

Use the calculator to determine if you can afford the RV loan you’re considering, or if you might need to find a less expensive option.

RV Loan Calculator

Monthly Payment

(Before taxes and fees)

Total Amount Paid

Over the loan term

Annual Amortization Schedule

Annual Schedule

Monthly Schedule

How to Get an RV Loan

There are two main ways to get an RV loan: You can either get a personal loan or take out a traditional RV loan.

A personal loan is typically an unsecured loan, which means you don’t lightstream loan calculator to provide collateral—something of value like a savings account—to secure the loan. Personal loans typically range from $500 to $100,000, depending on the loan purpose, and have repayment terms between one and seven years.

However, personal loans may not always provide high enough loan amounts or long enough loan terms. In that instance, you may need to apply for a traditional RV loan, which is similar to an auto loan for a car or truck. The lender will give you the money to buy the RV and use the RV as collateral for the loan, making it a secured loan. RV loans often also require a down payment between 10% and 20%; personal loans do not.

The loan application process for either is similar: You’ll need to meet minimum credit score and potential annual income requirements; submit a formal application with a bank or online lender including your personal information, such as your Social Security number (SSN) and income; sign the loan documents; and start repaying your loan once you receive the funds.

What Is a Good RV Loan Interest Rate?

The best RV loan interest rates start at 4% but can go as high as 11%. Interest rates vary depending on your credit score, the amount you’re borrowing and the total repayment term.

In general, the shorter the term, the lower your interest rate, as long as you boast good to excellent credit. For example, Compass Credit Union offers APRs as low as 4.24% for 48-month loans for new RVs while a 180-month loan for a new RV has a starting rate of 7.24%.

RV Loan Alternatives

If you’re unsure if a traditional RV loan is right for you, consider these alternatives.

Personal Loans

Personal loans are the most common RV loan alternative because you can use them for just about anything. If you’re buying a less expensive RV, it’s worth prequalifying with some of the best personal loan lenders to see if you can get a better loan deal.

Loans typically range from $500 to $100,000 and have rates as low as 3% and terms between one and seven years, depending on the loan purpose. The repayment terms are one major downside to a personal loan. If you want to be able to repay your loan beyond seven years, then it may be best to consider a traditional RV loan.

Home Equity Loan

If you don’t qualify for an RV loan or receive a high interest rate from the lender, you could take out a home equity lightstream loan calculator and use those proceeds to buy an RV.

A home equity loan allows you to borrow against the value of your home if you’ve built up equity and repay your loan amount between five and 30 years. Most lenders require you to currently have between 15% and 20% equity, which is the difference between the home’s current appraised value and the remaining mortgage balance.

Interest rates on a home equity loan, typically between 3% and 7%, may be lower than an RV loan because the lender can use your home as collateral. But this is also the downside of taking out a home equity loan: If you default on a home equity loan, the bank can seize your house.

Another major drawback of home equity loans occurs when your home’s value suddenly drops. In this instance, you won’t be able to sell the home for profit because you’ll owe more than it’s worth.

Before 2018, borrowers could deduct interest paid on a home equity loan on their taxes, but now they can only do so if they’re using the funds to improve or repair their home.

Before taking out a home equity loan, consider whether you plan to move in the next few years. If you are, a home equity loan may not be worth the risk.

401(k) Loan

If you have money in a 401(k) with your current employer, you can borrow from it and use those funds to buy your RV. When you take out a 401(k) loan, you repay the interest back into your own 401(k) account instead of paying interest to a bank.

Money taken out of a 401(k) loan will no longer be invested in the stock market, which means you could miss out on potential returns, which is one of the main downsides to a 401(k) loan.

Also, if you leave your job for any reason before the loan is paid back, you have to pay back what you’ve borrowed no later than that year’s tax day, though some employers may require immediate repayment. Otherwise, it will be considered an early withdrawal and subject to any applicable taxes and penalties.

Before taking out a 401(k) loan, speak with an investing professional about the downsides and how to ensure your retirement goals don’t suffer.

Frequently Asked Questions (FAQs)

Do I have to make a down payment on an RV loan?

Many lenders require that you include a down payment of between 10% and 20% when taking out an RV loan. So, for example, a $20,000 RV through a lender that requires a 20% down payment would require $4,000 upfront.

What credit score do I need for an RV loan?

Lenders that provide RV loans have more stringent requirements than auto loan companies. You usually need a credit score of at least 660 to qualify for an RV loan.

You can check your credit score for free online through different credit websites. Some credit card providers provide free scores to both customers and noncustomers, including Capital One, American Express and Discover.

If your credit score is below 660, you may not qualify for an RV loan. In this case, you should try to find a lender that accepts co-signers to increase your approval chances and help you secure a lower interest rate. Most RV lenders, however, do not allow co-signers on the loan, though this does vary by lender.

How long is an RV loan term?

Because RVs usually cost more than a new car or truck, the term on an RV loan is much longer than for a regular auto loan. While a regular auto loan term tops out at seven years, the standard RV loan term lasts between 10 and 15 years. Some lenders provide 20-year loans.

How do I know what RV loan interest rate I’ll receive?

Before you fill out a formal application for an RV loan, you can sometimes prequalify with specific lenders. When you prequalify, you’ll submit your personal lightstream loan calculator and the lender will show you what interest rates and terms you may qualify for without hurting your credit score. Make sure to apply with a few different lenders to compare a variety of quotes.

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Источник: https://www.forbes.com/advisor/personal-loans/rv-loan-calculator/

Auto Loans

Your auto loan needs covered

2.35% APR1

as of 11/19/2021

Car

Make your car buying search easier

Enjoy stress-free car shopping with AutoSMART™

Your one-stop car shopping site

Research and shop for a new or used vehicle with AutoSMART.

  • Browse through thousands of cars from trusted, local dealer partners
  • Research and compare various makes and models, safety features and more
  • Check your car’s trade-in value
  • Negotiate your price and contact local dealers directly
  • Use payment calculators and tools to find out what you can afford
  • Get pre-approved online with Patelco financing then head to the dealer

Start shopping for your next car

Make no car payments for up to 90 days³

Whether you’re buying a new car or refinancing one you already own, we’re here to make it easier on your budget. All of our auto loans come with the flexibility to make no payments for up to 90 days3.

  • Used car loan rates starting at 2.45% APR5
  • Affordable repayment terms up to 84 months on vehicles up to 10 years old, maximum 150,000 miles
  • Up to 140% financing with Guaranteed Asset Protection and Mechanical Breakdown Insurance
  • Flexibility that allows you to buy from a dealer, private party, or even buy out a lease
  • Enjoy a potential rate reduction through LevelUp
  • Car loan refinancing rates starting at 2.35% APR1
  • Reduce your interest rate or loan terms to better suit your needs
  • Lower your monthly payment and free up cash for other expenses
  • Affordable repayment terms up to 84 months on vehicles up to 10 years old, maximum 150,000 miles
  • Use the equity you’ve already established and borrow up to 100% of your car’s Kelley Blue Book value
  • Shop online or at an Enterprise Car Sales location near you and choose from over 250 makes and models
  • Competitive and below Kelly Blue Book pricing6
  • Trade ins welcome
  • All vehicles thoroughly cleaned between every rental and backed with the Enterprise Complete Clean Pledge
  • Free home delivery options in select locations
  • 12-month roadside assistance7 and 12-month/12,000-mile limited powertrain warranty8
  • Free CARFAX® vehicle history reports™

Car Loan Calculator

How much car can I afford?

SERVICE THAT BRINGS Lightstream loan calculator BACK

"I'm on my third Patelco auto loan and I would never consider trying anyone else. The customer services is incredible!"

D.O.,
Member since 2013

MORE POSSIBILITIES FOR MORE PEOPLE

"Love Patelco. Gave me a car loan with a lot better rate than the dealers. Also made making payments very simple."

Neil,
Member since 2000

THERE THROUGH UPS AND DOWNS

"I desperately needed a new car, but had little money to put down. Patelco never hesitated to help me."

P.M.,
Member since 1993

It’s good to know how much you can afford before you begin your search.


Upcoming car sale November 19 - 28 and receive special member pricing.

Auto Insurance

Members could save $665 on car insurance9

Get your quote today.

Or call 888.380.9287

Program made available by TruStage Insurance Agency, LLC and underwritten by Liberty Mutual Insurance

The AutoSMART™ links on this page will cause you to leave the Patelco Credit Union website. Although Patelco works closely with many partners, third-party sites may offer a different privacy policy and level of security. Please consult the website's Privacy Policy for additional information. Patelco Credit Union does not legally represent the operator of this site or the Patelco member, should the two enter into a transaction. We are also not legally lightstream loan calculator for availability, viewpoints, products, or services offered or expressed on the site you are about to visit.

1APR (Annual Percentage Rate).  New Auto rates starting at 2.35% APR effective 11/19/2021; subject to change without notice. Patelco offers a range of base rates and discounts that depend on factors such as credit history, loan term, Patelco account relationship, vehicle mileage, amount financed and vehicle age. Additional discounts may apply. Actual rates are disclosed to approved applicants in writing prior to loan consummation and may be as high as 15.30% APR. To learn more about rates, terms, and exclusive discounts for members, such as Commitment Household, call 800.358.8228 or visit any Patelco branch. Lightstream loan calculator payment example: $21.87 per month per $1000 borrowed at 2.35% APR for 48 months.

2Source: Datatrac, NCUA, and CUNA. The study was completed by the Credit Union National Association (CUNA) year ending 2020. CUNA estimates that financing a $30,000 new automobile for 60 months at Patelco will save members an average of $1,950 over five years, or $390 each year, as compared to what they would pay at another banking institution in California. Member results may vary. Subject to approval.

3At closing, you have the option to select up to 90 days of deferred loan payments on your new or used auto loan. The actual number of days will depend on the terms of the loan. Interest will accrue on your auto loan beginning on the date the loan is funded and the first payment will be applied to interest accrued from the date the loan is funded to the first payment date and then to principal due.

4APR (Annual Percentage Rate). 1.25% off current Patelco Credit Union rate with a max loan term of 60 months. Current rate will vary based on credit worthiness and terms. Financing for qualified Patelco Credit Union members. Offer valid only on Enterprise Car Sales vehicles purchased from 11/19/2021 - 11/28/2021. This offer cannot be combined with any other offer other than those listed in this advertisement.

5APR (Annual Percentage Rate).  Used Auto rates starting at 2.45% APR effective 11/19/2021; subject to change without notice. Patelco offers a range of base rates and discounts that depend on factors such as credit history, loan term, Patelco account relationship, vehicle mileage, amount financed and vehicle age. Additional discounts may apply. Vehicle mileage greater than 100k will include an additional .50% added to rate. Actual rates are disclosed to approved applicants in writing prior to loan consummation and may be as high as 15.30% APR. To learn more about rates, terms, and exclusive discounts for members, such as Commitment Household, call 800.358.8228 or visit any Patelco branch. Loan payment example: $21.92 per month for each $1000 borrowed at 2.45% APR for a used auto loan (models 2011-2019) for 48 months.

6Price does not include tax, title, tags, governmental fees, any emissions testing charges, and any finance charges (if applicable). Unless otherwise stated separately in the vehicle details, price does not include processing, administrative, closing or similar fees of $149 or less. Vehicles subject to prior sale. We make every effort to provide accurate information including but not limited to price, miles and vehicle options, but please verify with your local Enterprise Car Sales location before purchasing. Current mileage may vary due to test drives and vehicle relocation. Used vehicles were previously part of Enterprise short term rental, lease fleet or purchased by Enterprise from other sources including auto auctions, with previous use possibly short-term rental, lease or other. On Average, 75% of our fleet is priced below Kelley Blue Book® Retail Value.

7Enterprise 12-Month Unlimited Mileage Roadside Assistance Package is provided by the American Automobile Association (AAA) and its affiliated clubs in the United States and Canada. Some limitations & restrictions apply.

8Limited warranty begins on vehicle purchase date and extends for 12 months or 12,000 miles, whichever comes first. Restrictions apply. Contact a Team Member for details.

9Savings validated by new customers who switched to Liberty Mutual between 1/2020 - 10/2020 and participated in a countrywide survey. Savings may vary. Comparison does not apply in MA.

TruStage® Auto & Home Insurance Program is made available through TruStage Insurance Agency, LLC. Coverage provided and underwritten by Liberty Mutual Insurance Company or its subsidiaries or affiliates, 175 Berkeley Street, Boston, MA 02116 USA. © 2021 Liberty Mutual Insurance

LevelUp

You may qualify for loan rate reductions by making consecutive, on-time payments on your Patelco auto loan.

Learn More

Shop and save with Enterprise®!

1.25% APR discount on Patelco Auto Loans November 19-28.

Learn more

Related Links

Get in gear

Additional support

Источник: https://www.patelco.org/explore-services/auto-loans

Lightstream loan calculator -

LightStream Personal Loans: 2021 Review

Availability

LightStream got high marks for its same-day loan approval and funding. However, it doesn’t disclose its minimum income requirement, which makes it more difficult for potential borrowers to know if the lender fits their needs. LightStream’s $5,000 minimum loan amount is high for borrowers who only need small loans, and several of the lenders we reviewed offer as little as $1,000.

Affordability

LightStream’s low minimum APR and lack of fees earned it a perfect score for affordability.

Customer Experience

Customers can apply for loans and manage their accounts entirely online, and customer support is available six days a week.

Methodology

Bankrate’s reviews of lenders that offer personal loans are based on Availability, Affordability and Customer Experience, evaluating features like how long it takes borrowers to get approved and get their money, minimum APRs and convenient online applications and account access.

Editorial disclosure: All reviews are prepared by Bankrate.com staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the lender’s website for the most current information.

Источник: https://www.bankrate.com/loans/personal-loans/reviews/lightstream/

1Your APR may differ based on loan purpose, amount, term, and your credit profile. Rate is quoted with SwimmingPool.com discount and AutoPay repayment discount, which is only available when you select AutoPay prior to loan funding. Rates under the invoicing option are 0.50% points higher. Excellent credit is required to qualify for the lowest rates. Subject to credit approval. Conditions and limitations apply. Advertised rates and terms are subject to change without notice.

Payment example: Monthly payments for a $25,000 loan at 6.39% APR with a term of 12 years would result in 144 monthly payments of $249.04.

Discount of .50 percentage points is for a new LightStream loan referred online by Swimmingpool.com. Borrower must apply directly through this website, and with cookies activated on their browser, in order for this offer to be tracked and valid.

Sun Trust Bank IconTruist Bank is an Equal Housing Lender. © 2021 Truist Financial Corporation. SunTrust, Truist, LightStream, the LightStream logo, and the SunTrust logo are service marks of Truist Financial Corporation. All other trademarks are the property of their respective owners. Lending services provided by Truist Bank.

Источник: https://www.swimmingpool.com/resources/financing/

Auto Loans

Your auto loan needs covered

2.35% APR1

as of 11/19/2021

Car

Make your car buying search easier

Enjoy stress-free car shopping with AutoSMART™

Your one-stop car shopping site

Research and shop for a new or used vehicle with AutoSMART.

  • Browse through thousands of cars from trusted, local dealer partners
  • Research and compare various makes and models, safety features and more
  • Check your car’s trade-in value
  • Negotiate your price and contact local dealers directly
  • Use payment calculators and tools to find out what you can afford
  • Get pre-approved online with Patelco financing then head to the dealer

Start shopping for your next car

Make no car payments for up to 90 days³

Whether you’re buying a new car or refinancing one you already own, we’re here to make it easier on your budget. All of our auto loans come with the flexibility to make no payments for up to 90 days3.

  • Used car loan rates starting at 2.45% APR5
  • Affordable repayment terms up to 84 months on vehicles up to 10 years old, maximum 150,000 miles
  • Up to 140% financing with Guaranteed Asset Protection and Mechanical Breakdown Insurance
  • Flexibility that allows you to buy from a dealer, private party, or even buy out a lease
  • Enjoy a potential rate reduction through LevelUp
  • Car loan refinancing rates starting at 2.35% APR1
  • Reduce your interest rate or loan terms to better suit your needs
  • Lower your monthly payment and free up cash for other expenses
  • Affordable repayment terms up to 84 months on vehicles up to 10 years old, maximum 150,000 miles
  • Use the equity you’ve already established and borrow up to 100% of your car’s Kelley Blue Book value
  • Shop online or at an Enterprise Car Sales location near you and choose from over 250 makes and models
  • Competitive and below Kelly Blue Book pricing6
  • Trade ins welcome
  • All vehicles thoroughly cleaned between every rental and backed with the Enterprise Complete Clean Pledge
  • Free home delivery options in select locations
  • 12-month roadside assistance7 and 12-month/12,000-mile limited powertrain warranty8
  • Free CARFAX® vehicle history reports™

Car Loan Calculator

How much car can I afford?

SERVICE THAT BRINGS MEMBERS BACK

"I'm on my third Patelco auto loan and I would never consider trying anyone else. The customer services is incredible!"

D.O.,
Member since 2013

MORE POSSIBILITIES FOR MORE PEOPLE

"Love Patelco. Gave me a car loan with a lot better rate than the dealers. Also made making payments very simple."

Neil,
Member since 2000

THERE THROUGH UPS AND DOWNS

"I desperately needed a new car, but had little money to put down. Patelco never hesitated to help me."

P.M.,
Member since 1993

It’s good to know how much you can afford before you begin your search.


Upcoming car sale November 19 - 28 and receive special member pricing.

Auto Insurance

Members could save $665 on car insurance9

Get your quote today.

Or call 888.380.9287

Program made available by TruStage Insurance Agency, LLC and underwritten by Liberty Mutual Insurance

The AutoSMART™ links on this page will cause you to leave the Patelco Credit Union website. Although Patelco works closely with many partners, third-party sites may offer a different privacy policy and level of security. Please consult the website's Privacy Policy for additional information. Patelco Credit Union does not legally represent the operator of this site or the Patelco member, should the two enter into a transaction. We are also not legally responsible for availability, viewpoints, products, or services offered or expressed on the site you are about to visit.

1APR (Annual Percentage Rate).  New Auto rates starting at 2.35% APR effective 11/19/2021; subject to change without notice. Patelco offers a range of base rates and discounts that depend on factors such as credit history, loan term, Patelco account relationship, vehicle mileage, amount financed and vehicle age. Additional discounts may apply. Actual rates are disclosed to approved applicants in writing prior to loan consummation and may be as high as 15.30% APR. To learn more about rates, terms, and exclusive discounts for members, such as Commitment Household, call 800.358.8228 or visit any Patelco branch. Loan payment example: $21.87 per month per $1000 borrowed at 2.35% APR for 48 months.

2Source: Datatrac, NCUA, and CUNA. The study was completed by the Credit Union National Association (CUNA) year ending 2020. CUNA estimates that financing a $30,000 new automobile for 60 months at Patelco will save members an average of $1,950 over five years, or $390 each year, as compared to what they would pay at another banking institution in California. Member results may vary. Subject to approval.

3At closing, you have the option to select up to 90 days of deferred loan payments on your new or used auto loan. The actual number of days will depend on the terms of the loan. Interest will accrue on your auto loan beginning on the date the loan is funded and the first payment will be applied to interest accrued from the date the loan is funded to the first payment date and then to principal due.

4APR (Annual Percentage Rate). 1.25% off current Patelco Credit Union rate with a max loan term of 60 months. Current rate will vary based on credit worthiness and terms. Financing for qualified Patelco Credit Union members. Offer valid only on Enterprise Car Sales vehicles purchased from 11/19/2021 - 11/28/2021. This offer cannot be combined with any other offer other than those listed in this advertisement.

5APR (Annual Percentage Rate).  Used Auto rates starting at 2.45% APR effective 11/19/2021; subject to change without notice. Patelco offers a range of base rates and discounts that depend on factors such as credit history, loan term, Patelco account relationship, vehicle mileage, amount financed and vehicle age. Additional discounts may apply. Vehicle mileage greater than 100k will include an additional .50% added to rate. Actual rates are disclosed to approved applicants in writing prior to loan consummation and may be as high as 15.30% APR. To learn more about rates, terms, and exclusive discounts for members, such as Commitment Household, call 800.358.8228 or visit any Patelco branch. Loan payment example: $21.92 per month for each $1000 borrowed at 2.45% APR for a used auto loan (models 2011-2019) for 48 months.

6Price does not include tax, title, tags, governmental fees, any emissions testing charges, and any finance charges (if applicable). Unless otherwise stated separately in the vehicle details, price does not include processing, administrative, closing or similar fees of $149 or less. Vehicles subject to prior sale. We make every effort to provide accurate information including but not limited to price, miles and vehicle options, but please verify with your local Enterprise Car Sales location before purchasing. Current mileage may vary due to test drives and vehicle relocation. Used vehicles were previously part of Enterprise short term rental, lease fleet or purchased by Enterprise from other sources including auto auctions, with previous use possibly short-term rental, lease or other. On Average, 75% of our fleet is priced below Kelley Blue Book® Retail Value.

7Enterprise 12-Month Unlimited Mileage Roadside Assistance Package is provided by the American Automobile Association (AAA) and its affiliated clubs in the United States and Canada. Some limitations & restrictions apply.

8Limited warranty begins on vehicle purchase date and extends for 12 months or 12,000 miles, whichever comes first. Restrictions apply. Contact a Team Member for details.

9Savings validated by new customers who switched to Liberty Mutual between 1/2020 - 10/2020 and participated in a countrywide survey. Savings may vary. Comparison does not apply in MA.

TruStage® Auto & Home Insurance Program is made available through TruStage Insurance Agency, LLC. Coverage provided and underwritten by Liberty Mutual Insurance Company or its subsidiaries or affiliates, 175 Berkeley Street, Boston, MA 02116 USA. © 2021 Liberty Mutual Insurance

LevelUp

You may qualify for loan rate reductions by making consecutive, on-time payments on your Patelco auto loan.

Learn More

Shop and save with Enterprise®!

1.25% APR discount on Patelco Auto Loans November 19-28.

Learn more

Related Links

Get in gear

Additional support

Источник: https://www.patelco.org/explore-services/auto-loans

Calculators

Boat Loan Calculator

Amortization Calculator

Boat Loan Calculator

 Our Boat Loan calculator to help you see your payments. 

Loan Calcuator

DTI Calculator

Amortization Calculator

Boat Loan Calculator

 Here, you will find a simple Debt to Income calculator to help with your boat financing! Skip the Taxes and Insurance section (These are included in your mortgage payment)

DTI CALCULATOR

Amortization Calculator

Amortization Calculator

Amortization Calculator

 A simple amortization calculator to show your boat payment schedule 

Amort Calculator

ReFi Calculator

Downpayment calculator

Amortization Calculator

 A simple refinance calculator. Note - most of our banks will NOT refinance loans of less than $65,000

ReFi Calculator

Payoff Calculator

Downpayment calculator

Downpayment calculator

 See what happens to your boat loan if you add extra principal to your payments 

Payoff Calculator

Downpayment calculator

Downpayment calculator

Downpayment calculator

 Enter your cash that you have set aside  for down payment on your boat to see how much you might qualify for! 

DP Calculator

Источник: https://yourboatmoney.com/calculators

LightStream Personal Loans: 2021 Review

LightStream, the online lending arm of Truist Bank, offers personal loans with low rates and no fees for borrowers with good to excellent credit.

Among its many consumer-friendly features, LightStream allows borrowers to choose when they receive their money. It can deposit funds into your account as early as the same day or up to 30 days after approval. Scheduling a later fund date can allow time to plan for your first payment or give you flexibility in aligning your loan with the start of a home improvement project or other large expense.

» COMPARE: Best personal loans

LightStream is best for borrowers who:

  • Have good or excellent credit (690 FICO or higher) and several years of credit history.

  • Are considering a personal loan for home improvement.

  • Want a large loan at a competitive rate.

LightStream at a glance

  • APRs are low among lenders targeting similar borrowers.

  • No fees.

  • Rate discount for autopayments.

  • No option to change payment due date.

  • Does not offer direct payment to creditors with debt consolidation loans.

  • Can fund loans the same day.

  • Available in all 50 states and Washington, D.C.

  • Pre-qualification available only through partners.

  • Discloses rates on website.

  • Offers extended business hours for customer support.

  • Offers no financial education.

Key terms to know about personal loans

Annual percentage rate is the interest rate on your loan plus all fees, calculated on an annual basis and expressed as a percentage. Use the APR to compare loan costs from multiple lenders.

An origination fee is a one-time, upfront fee that some lenders charge for processing a loan. The fee can range from 1% to 10% of the loan amount, and lenders typically deduct it from your loan proceeds.

The debt-to-income ratio divides your total monthly debt payments by your gross monthly income, giving you a percentage. Lenders use DTI — along with credit history and other factors — to evaluate a borrower's financial ability to repay a loan.

Lenders that offer pre-qualification typically do so using a soft credit check, which allows you to see rates and terms you qualify for without affecting your credit score. If you accept the loan offer, the lender will perform a hard check to confirm your information. Hard checks knock a few points off your credit score.

Where LightStream stands out

Low rates and no fees: LightStream offers low starting rates, but they vary based on loan amount, purpose, repayment term and the applicant’s credit profile, according to the lender. Excellent credit is required to receive the lowest rates, and borrowers who choose autopay can receive a rate discount of 0.5 percentage points.

LightStream also doesn't charge fees for loan origination, late payments or prepayment.

Term availability: LightStream’s wide window of available repayment terms (two to seven years for most loans) gives borrowers the option to prioritize less overall interest with a shorter term or lower monthly payments with a longer term.

Special home improvement features: Borrowers with good or excellent credit looking to finance a home improvement project may qualify for extended loan terms up to 12 years, with no appraisals or home equity requirements. Longer repayment terms can make monthly payments more affordable on expensive home projects, like a kitchen remodel, solar panel installation or swimming pool addition. The lender can also delay funding a loan for up to 90 days, which gives you more time to coordinate the remodel without additional interest.

Rate beat program: LightStream says it will beat a competitor’s interest rate by one-tenth of a percentage point if you can show you are approved by the competitor for an unsecured, fixed-rate loan with the same terms.

Satisfaction guarantee: LightStream offers $100 back for unhappy borrowers who have had their loan for less than 30 days. You must contact the company and fill out a questionnaire to receive the $100.

» MORE:Best good-credit lenders

Where LightStream falls short

Hard credit check: LightStream’s loan calculator displays example rates based on your desired loan purpose and loan amount, but the lender only offers a hard pull to applications that originate on its website. However, it uses a soft credit check to pre-qualify applicants through NerdWallet.

No direct payment to creditors: Unlike other lenders, LightStream doesn't send payments directly to creditors when you consolidate debts with a loan. Instead, borrowers have to keep track of their own repayments.

Limited customer service options: Applicants who have questions are directed to an email form on LightStream’s website. According to the lender, once you become a customer, you are provided a phone number to contact customer service.

» MORE:Best online loans

How to qualify for a LightStream loan

  • Minimum credit score: 660.

  • Several years of credit history.

  • Multiple account types within your credit history, like major credit cards, a car loan or other installment loan and a mortgage.

  • Strong payment history with few or no delinquencies.

  • Investments, retirement savings or other evidence of an ability to save money.

  • Enough income to pay existing debts and a new LightStream loan.

Loan example: A four-year, $20,000 loan with an 11.2% APR would cost $519 in monthly payments. You’d pay $4,912 in total interest on that loan.

Pre-qualify on NerdWallet

NerdWallet recommends comparing loans to find the best rate for you. Click the button below to pre-qualify on NerdWallet. You may receive personalized rates from multiple lenders that partner with us, including LightStream. Pre-qualifying will not impact your credit.

Apply on LightStream

You can fill out an application on LightStream’s website. After entering some personal information, you’ll be presented with loan options.

Источник: https://www.nerdwallet.com/reviews/loans/personal-loans/lightstream-personal-loans

RV Loan Calculator: Estimate Your Payments

A recreational vehicle (RV) loan provides financing for a purchase of a new or used RV, motorhome or camping trailer. RV loans come with various annual percentage rates (APRs), loan amounts and terms, which together result in different sized monthly payments.

Comparing these rates and terms can get confusing, especially if you don’t fully understand how to crunch the numbers. This simple, easy-to-use RV loan calculator can help you understand and estimate your payments.

How to Use This RV Loan Calculator

To use this RV loan calculator, type in the amount you’ll need to borrow, the interest rate and the term. Next, click submit to see your estimated monthly payment and total interest paid over the life of the loan.

Use the calculator to determine if you can afford the RV loan you’re considering, or if you might need to find a less expensive option.

RV Loan Calculator

Monthly Payment

(Before taxes and fees)

Total Amount Paid

Over the loan term

Annual Amortization Schedule

Annual Schedule

Monthly Schedule

How to Get an RV Loan

There are two main ways to get an RV loan: You can either get a personal loan or take out a traditional RV loan.

A personal loan is typically an unsecured loan, which means you don’t need to provide collateral—something of value like a savings account—to secure the loan. Personal loans typically range from $500 to $100,000, depending on the loan purpose, and have repayment terms between one and seven years.

However, personal loans may not always provide high enough loan amounts or long enough loan terms. In that instance, you may need to apply for a traditional RV loan, which is similar to an auto loan for a car or truck. The lender will give you the money to buy the RV and use the RV as collateral for the loan, making it a secured loan. RV loans often also require a down payment between 10% and 20%; personal loans do not.

The loan application process for either is similar: You’ll need to meet minimum credit score and potential annual income requirements; submit a formal application with a bank or online lender including your personal information, such as your Social Security number (SSN) and income; sign the loan documents; and start repaying your loan once you receive the funds.

What Is a Good RV Loan Interest Rate?

The best RV loan interest rates start at 4% but can go as high as 11%. Interest rates vary depending on your credit score, the amount you’re borrowing and the total repayment term.

In general, the shorter the term, the lower your interest rate, as long as you boast good to excellent credit. For example, Compass Credit Union offers APRs as low as 4.24% for 48-month loans for new RVs while a 180-month loan for a new RV has a starting rate of 7.24%.

RV Loan Alternatives

If you’re unsure if a traditional RV loan is right for you, consider these alternatives.

Personal Loans

Personal loans are the most common RV loan alternative because you can use them for just about anything. If you’re buying a less expensive RV, it’s worth prequalifying with some of the best personal loan lenders to see if you can get a better loan deal.

Loans typically range from $500 to $100,000 and have rates as low as 3% and terms between one and seven years, depending on the loan purpose. The repayment terms are one major downside to a personal loan. If you want to be able to repay your loan beyond seven years, then it may be best to consider a traditional RV loan.

Home Equity Loan

If you don’t qualify for an RV loan or receive a high interest rate from the lender, you could take out a home equity loan and use those proceeds to buy an RV.

A home equity loan allows you to borrow against the value of your home if you’ve built up equity and repay your loan amount between five and 30 years. Most lenders require you to currently have between 15% and 20% equity, which is the difference between the home’s current appraised value and the remaining mortgage balance.

Interest rates on a home equity loan, typically between 3% and 7%, may be lower than an RV loan because the lender can use your home as collateral. But this is also the downside of taking out a home equity loan: If you default on a home equity loan, the bank can seize your house.

Another major drawback of home equity loans occurs when your home’s value suddenly drops. In this instance, you won’t be able to sell the home for profit because you’ll owe more than it’s worth.

Before 2018, borrowers could deduct interest paid on a home equity loan on their taxes, but now they can only do so if they’re using the funds to improve or repair their home.

Before taking out a home equity loan, consider whether you plan to move in the next few years. If you are, a home equity loan may not be worth the risk.

401(k) Loan

If you have money in a 401(k) with your current employer, you can borrow from it and use those funds to buy your RV. When you take out a 401(k) loan, you repay the interest back into your own 401(k) account instead of paying interest to a bank.

Money taken out of a 401(k) loan will no longer be invested in the stock market, which means you could miss out on potential returns, which is one of the main downsides to a 401(k) loan.

Also, if you leave your job for any reason before the loan is paid back, you have to pay back what you’ve borrowed no later than that year’s tax day, though some employers may require immediate repayment. Otherwise, it will be considered an early withdrawal and subject to any applicable taxes and penalties.

Before taking out a 401(k) loan, speak with an investing professional about the downsides and how to ensure your retirement goals don’t suffer.

Frequently Asked Questions (FAQs)

Do I have to make a down payment on an RV loan?

Many lenders require that you include a down payment of between 10% and 20% when taking out an RV loan. So, for example, a $20,000 RV through a lender that requires a 20% down payment would require $4,000 upfront.

What credit score do I need for an RV loan?

Lenders that provide RV loans have more stringent requirements than auto loan companies. You usually need a credit score of at least 660 to qualify for an RV loan.

You can check your credit score for free online through different credit websites. Some credit card providers provide free scores to both customers and noncustomers, including Capital One, American Express and Discover.

If your credit score is below 660, you may not qualify for an RV loan. In this case, you should try to find a lender that accepts co-signers to increase your approval chances and help you secure a lower interest rate. Most RV lenders, however, do not allow co-signers on the loan, though this does vary by lender.

How long is an RV loan term?

Because RVs usually cost more than a new car or truck, the term on an RV loan is much longer than for a regular auto loan. While a regular auto loan term tops out at seven years, the standard RV loan term lasts between 10 and 15 years. Some lenders provide 20-year loans.

How do I know what RV loan interest rate I’ll receive?

Before you fill out a formal application for an RV loan, you can sometimes prequalify with specific lenders. When you prequalify, you’ll submit your personal information and the lender will show you what interest rates and terms you may qualify for without hurting your credit score. Make sure to apply with a few different lenders to compare a variety of quotes.

Was this article helpful?

Thank You for your feedback!

Something went wrong. Please try again later.

Источник: https://www.forbes.com/advisor/personal-loans/rv-loan-calculator/

When you finance with LightStream, your good credit will be rewarded.

Good credit customers deserve a low-interest, fixed-rate loan. LightStream’s low rates are even backed by their Rate Beat Program, so you can be extra confident you’re getting the best rate.

You’re in control of your LightStream loan.

Financing with LightStream means you can choose payment terms that fit your budget. Get a home improvement loan from $5,000 to $100,000 with flexible terms to make repaying your fixed-rate loan even easier.

Whole project funding. No fees. No home equity requirements.

When you finance with LightStream, you don’t have to deal with fees, prepayment penalties, appraisals or home equity requirements. LightStream is focused on making the process seamless for you without giving you hoops to jump through.

LightStream’s easy, online application process is followed by quick funds. When you fill out your application and complete all of your loan information by 2:30pm EST on a business banking day, LightStream can get funds over to you as soon as the same day you apply!

Plant Tree

LightStream plants a tree with every loan. Your loan makes a difference!

*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 without Autopay may be higher. Subject to credit approval. Conditions and limitations apply. Advertised rates and terms are subject to change without notice.

EHL Logo

Truist Bank is an Equal Housing Lender. © Truist Financial Corporation. SunTrust, Truist, LightStream, the LightStream logo, and the SunTrust logo are service marks of Truist Financial Corporation. All other trademarks are the property of their respective owners. Lending services provided by Truist Bank.

Источник: https://www.atdrestoration.com/lightstream-a-division-of-suntrust-bank/

Lightstream loan calculator -

RV Loan Calculator: Estimate Your Payments

A recreational vehicle (RV) loan provides financing for a purchase of a new or used RV, motorhome or camping trailer. RV loans come with various annual percentage rates (APRs), loan amounts and terms, which together result in different sized monthly payments.

Comparing these rates and terms can get confusing, especially if you don’t fully understand how to crunch the numbers. This simple, easy-to-use RV loan calculator can help you understand and estimate your payments.

How to Use This RV Loan Calculator

To use this RV loan calculator, type in the amount you’ll need to borrow, the interest rate and the term. Next, click submit to see your estimated monthly payment and total interest paid over the life of the loan.

Use the calculator to determine if you can afford the RV loan you’re considering, or if you might need to find a less expensive option.

RV Loan Calculator

Monthly Payment

(Before taxes and fees)

Total Amount Paid

Over the loan term

Annual Amortization Schedule

Annual Schedule

Monthly Schedule

How to Get an RV Loan

There are two main ways to get an RV loan: You can either get a personal loan or take out a traditional RV loan.

A personal loan is typically an unsecured loan, which means you don’t need to provide collateral—something of value like a savings account—to secure the loan. Personal loans typically range from $500 to $100,000, depending on the loan purpose, and have repayment terms between one and seven years.

However, personal loans may not always provide high enough loan amounts or long enough loan terms. In that instance, you may need to apply for a traditional RV loan, which is similar to an auto loan for a car or truck. The lender will give you the money to buy the RV and use the RV as collateral for the loan, making it a secured loan. RV loans often also require a down payment between 10% and 20%; personal loans do not.

The loan application process for either is similar: You’ll need to meet minimum credit score and potential annual income requirements; submit a formal application with a bank or online lender including your personal information, such as your Social Security number (SSN) and income; sign the loan documents; and start repaying your loan once you receive the funds.

What Is a Good RV Loan Interest Rate?

The best RV loan interest rates start at 4% but can go as high as 11%. Interest rates vary depending on your credit score, the amount you’re borrowing and the total repayment term.

In general, the shorter the term, the lower your interest rate, as long as you boast good to excellent credit. For example, Compass Credit Union offers APRs as low as 4.24% for 48-month loans for new RVs while a 180-month loan for a new RV has a starting rate of 7.24%.

RV Loan Alternatives

If you’re unsure if a traditional RV loan is right for you, consider these alternatives.

Personal Loans

Personal loans are the most common RV loan alternative because you can use them for just about anything. If you’re buying a less expensive RV, it’s worth prequalifying with some of the best personal loan lenders to see if you can get a better loan deal.

Loans typically range from $500 to $100,000 and have rates as low as 3% and terms between one and seven years, depending on the loan purpose. The repayment terms are one major downside to a personal loan. If you want to be able to repay your loan beyond seven years, then it may be best to consider a traditional RV loan.

Home Equity Loan

If you don’t qualify for an RV loan or receive a high interest rate from the lender, you could take out a home equity loan and use those proceeds to buy an RV.

A home equity loan allows you to borrow against the value of your home if you’ve built up equity and repay your loan amount between five and 30 years. Most lenders require you to currently have between 15% and 20% equity, which is the difference between the home’s current appraised value and the remaining mortgage balance.

Interest rates on a home equity loan, typically between 3% and 7%, may be lower than an RV loan because the lender can use your home as collateral. But this is also the downside of taking out a home equity loan: If you default on a home equity loan, the bank can seize your house.

Another major drawback of home equity loans occurs when your home’s value suddenly drops. In this instance, you won’t be able to sell the home for profit because you’ll owe more than it’s worth.

Before 2018, borrowers could deduct interest paid on a home equity loan on their taxes, but now they can only do so if they’re using the funds to improve or repair their home.

Before taking out a home equity loan, consider whether you plan to move in the next few years. If you are, a home equity loan may not be worth the risk.

401(k) Loan

If you have money in a 401(k) with your current employer, you can borrow from it and use those funds to buy your RV. When you take out a 401(k) loan, you repay the interest back into your own 401(k) account instead of paying interest to a bank.

Money taken out of a 401(k) loan will no longer be invested in the stock market, which means you could miss out on potential returns, which is one of the main downsides to a 401(k) loan.

Also, if you leave your job for any reason before the loan is paid back, you have to pay back what you’ve borrowed no later than that year’s tax day, though some employers may require immediate repayment. Otherwise, it will be considered an early withdrawal and subject to any applicable taxes and penalties.

Before taking out a 401(k) loan, speak with an investing professional about the downsides and how to ensure your retirement goals don’t suffer.

Frequently Asked Questions (FAQs)

Do I have to make a down payment on an RV loan?

Many lenders require that you include a down payment of between 10% and 20% when taking out an RV loan. So, for example, a $20,000 RV through a lender that requires a 20% down payment would require $4,000 upfront.

What credit score do I need for an RV loan?

Lenders that provide RV loans have more stringent requirements than auto loan companies. You usually need a credit score of at least 660 to qualify for an RV loan.

You can check your credit score for free online through different credit websites. Some credit card providers provide free scores to both customers and noncustomers, including Capital One, American Express and Discover.

If your credit score is below 660, you may not qualify for an RV loan. In this case, you should try to find a lender that accepts co-signers to increase your approval chances and help you secure a lower interest rate. Most RV lenders, however, do not allow co-signers on the loan, though this does vary by lender.

How long is an RV loan term?

Because RVs usually cost more than a new car or truck, the term on an RV loan is much longer than for a regular auto loan. While a regular auto loan term tops out at seven years, the standard RV loan term lasts between 10 and 15 years. Some lenders provide 20-year loans.

How do I know what RV loan interest rate I’ll receive?

Before you fill out a formal application for an RV loan, you can sometimes prequalify with specific lenders. When you prequalify, you’ll submit your personal information and the lender will show you what interest rates and terms you may qualify for without hurting your credit score. Make sure to apply with a few different lenders to compare a variety of quotes.

Was this article helpful?

Thank You for your feedback!

Something went wrong. Please try again later.

Источник: https://www.forbes.com/advisor/personal-loans/rv-loan-calculator/

Auto Loans

Your auto loan needs covered

2.35% APR1

as of 11/19/2021

Car

Make your car buying search easier

Enjoy stress-free car shopping with AutoSMART™

Your one-stop car shopping site

Research and shop for a new or used vehicle with AutoSMART.

  • Browse through thousands of cars from trusted, local dealer partners
  • Research and compare various makes and models, safety features and more
  • Check your car’s trade-in value
  • Negotiate your price and contact local dealers directly
  • Use payment calculators and tools to find out what you can afford
  • Get pre-approved online with Patelco financing then head to the dealer

Start shopping for your next car

Make no car payments for up to 90 days³

Whether you’re buying a new car or refinancing one you already own, we’re here to make it easier on your budget. All of our auto loans come with the flexibility to make no payments for up to 90 days3.

  • Used car loan rates starting at 2.45% APR5
  • Affordable repayment terms up to 84 months on vehicles up to 10 years old, maximum 150,000 miles
  • Up to 140% financing with Guaranteed Asset Protection and Mechanical Breakdown Insurance
  • Flexibility that allows you to buy from a dealer, private party, or even buy out a lease
  • Enjoy a potential rate reduction through LevelUp
  • Car loan refinancing rates starting at 2.35% APR1
  • Reduce your interest rate or loan terms to better suit your needs
  • Lower your monthly payment and free up cash for other expenses
  • Affordable repayment terms up to 84 months on vehicles up to 10 years old, maximum 150,000 miles
  • Use the equity you’ve already established and borrow up to 100% of your car’s Kelley Blue Book value
  • Shop online or at an Enterprise Car Sales location near you and choose from over 250 makes and models
  • Competitive and below Kelly Blue Book pricing6
  • Trade ins welcome
  • All vehicles thoroughly cleaned between every rental and backed with the Enterprise Complete Clean Pledge
  • Free home delivery options in select locations
  • 12-month roadside assistance7 and 12-month/12,000-mile limited powertrain warranty8
  • Free CARFAX® vehicle history reports™

Car Loan Calculator

How much car can I afford?

SERVICE THAT BRINGS MEMBERS BACK

"I'm on my third Patelco auto loan and I would never consider trying anyone else. The customer services is incredible!"

D.O.,
Member since 2013

MORE POSSIBILITIES FOR MORE PEOPLE

"Love Patelco. Gave me a car loan with a lot better rate than the dealers. Also made making payments very simple."

Neil,
Member since 2000

THERE THROUGH UPS AND DOWNS

"I desperately needed a new car, but had little money to put down. Patelco never hesitated to help me."

P.M.,
Member since 1993

It’s good to know how much you can afford before you begin your search.


Upcoming car sale November 19 - 28 and receive special member pricing.

Auto Insurance

Members could save $665 on car insurance9

Get your quote today.

Or call 888.380.9287

Program made available by TruStage Insurance Agency, LLC and underwritten by Liberty Mutual Insurance

The AutoSMART™ links on this page will cause you to leave the Patelco Credit Union website. Although Patelco works closely with many partners, third-party sites may offer a different privacy policy and level of security. Please consult the website's Privacy Policy for additional information. Patelco Credit Union does not legally represent the operator of this site or the Patelco member, should the two enter into a transaction. We are also not legally responsible for availability, viewpoints, products, or services offered or expressed on the site you are about to visit.

1APR (Annual Percentage Rate).  New Auto rates starting at 2.35% APR effective 11/19/2021; subject to change without notice. Patelco offers a range of base rates and discounts that depend on factors such as credit history, loan term, Patelco account relationship, vehicle mileage, amount financed and vehicle age. Additional discounts may apply. Actual rates are disclosed to approved applicants in writing prior to loan consummation and may be as high as 15.30% APR. To learn more about rates, terms, and exclusive discounts for members, such as Commitment Household, call 800.358.8228 or visit any Patelco branch. Loan payment example: $21.87 per month per $1000 borrowed at 2.35% APR for 48 months.

2Source: Datatrac, NCUA, and CUNA. The study was completed by the Credit Union National Association (CUNA) year ending 2020. CUNA estimates that financing a $30,000 new automobile for 60 months at Patelco will save members an average of $1,950 over five years, or $390 each year, as compared to what they would pay at another banking institution in California. Member results may vary. Subject to approval.

3At closing, you have the option to select up to 90 days of deferred loan payments on your new or used auto loan. The actual number of days will depend on the terms of the loan. Interest will accrue on your auto loan beginning on the date the loan is funded and the first payment will be applied to interest accrued from the date the loan is funded to the first payment date and then to principal due.

4APR (Annual Percentage Rate). 1.25% off current Patelco Credit Union rate with a max loan term of 60 months. Current rate will vary based on credit worthiness and terms. Financing for qualified Patelco Credit Union members. Offer valid only on Enterprise Car Sales vehicles purchased from 11/19/2021 - 11/28/2021. This offer cannot be combined with any other offer other than those listed in this advertisement.

5APR (Annual Percentage Rate).  Used Auto rates starting at 2.45% APR effective 11/19/2021; subject to change without notice. Patelco offers a range of base rates and discounts that depend on factors such as credit history, loan term, Patelco account relationship, vehicle mileage, amount financed and vehicle age. Additional discounts may apply. Vehicle mileage greater than 100k will include an additional .50% added to rate. Actual rates are disclosed to approved applicants in writing prior to loan consummation and may be as high as 15.30% APR. To learn more about rates, terms, and exclusive discounts for members, such as Commitment Household, call 800.358.8228 or visit any Patelco branch. Loan payment example: $21.92 per month for each $1000 borrowed at 2.45% APR for a used auto loan (models 2011-2019) for 48 months.

6Price does not include tax, title, tags, governmental fees, any emissions testing charges, and any finance charges (if applicable). Unless otherwise stated separately in the vehicle details, price does not include processing, administrative, closing or similar fees of $149 or less. Vehicles subject to prior sale. We make every effort to provide accurate information including but not limited to price, miles and vehicle options, but please verify with your local Enterprise Car Sales location before purchasing. Current mileage may vary due to test drives and vehicle relocation. Used vehicles were previously part of Enterprise short term rental, lease fleet or purchased by Enterprise from other sources including auto auctions, with previous use possibly short-term rental, lease or other. On Average, 75% of our fleet is priced below Kelley Blue Book® Retail Value.

7Enterprise 12-Month Unlimited Mileage Roadside Assistance Package is provided by the American Automobile Association (AAA) and its affiliated clubs in the United States and Canada. Some limitations & restrictions apply.

8Limited warranty begins on vehicle purchase date and extends for 12 months or 12,000 miles, whichever comes first. Restrictions apply. Contact a Team Member for details.

9Savings validated by new customers who switched to Liberty Mutual between 1/2020 - 10/2020 and participated in a countrywide survey. Savings may vary. Comparison does not apply in MA.

TruStage® Auto & Home Insurance Program is made available through TruStage Insurance Agency, LLC. Coverage provided and underwritten by Liberty Mutual Insurance Company or its subsidiaries or affiliates, 175 Berkeley Street, Boston, MA 02116 USA. © 2021 Liberty Mutual Insurance

LevelUp

You may qualify for loan rate reductions by making consecutive, on-time payments on your Patelco auto loan.

Learn More

Shop and save with Enterprise®!

1.25% APR discount on Patelco Auto Loans November 19-28.

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Источник: https://www.patelco.org/explore-services/auto-loans

LightStream Personal Loans: 2021 Review

Availability

LightStream got high marks for its same-day loan approval and funding. However, it doesn’t disclose its minimum income requirement, which makes it more difficult for potential borrowers to know if the lender fits their needs. LightStream’s $5,000 minimum loan amount is high for borrowers who only need small loans, and several of the lenders we reviewed offer as little as $1,000.

Affordability

LightStream’s low minimum APR and lack of fees earned it a perfect score for affordability.

Customer Experience

Customers can apply for loans and manage their accounts entirely online, and customer support is available six days a week.

Methodology

Bankrate’s reviews of lenders that offer personal loans are based on Availability, Affordability and Customer Experience, evaluating features like how long it takes borrowers to get approved and get their money, minimum APRs and convenient online applications and account access.

Editorial disclosure: All reviews are prepared by Bankrate.com staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the lender’s website for the most current information.

Источник: https://www.bankrate.com/loans/personal-loans/reviews/lightstream/

LightStream Personal Loans: 2021 Review

LightStream, the online lending arm of Truist Bank, offers personal loans with low rates and no fees for borrowers with good to excellent credit.

Among its many consumer-friendly features, LightStream allows borrowers to choose when they receive their money. It can deposit funds into your account as early as the same day or up to 30 days after approval. Scheduling a later fund date can allow time to plan for your first payment or give you flexibility in aligning your loan with the start of a home improvement project or other large expense.

» COMPARE: Best personal loans

LightStream is best for borrowers who:

  • Have good or excellent credit (690 FICO or higher) and several years of credit history.

  • Are considering a personal loan for home improvement.

  • Want a large loan at a competitive rate.

LightStream at a glance

  • APRs are low among lenders targeting similar borrowers.

  • No fees.

  • Rate discount for autopayments.

  • No option to change payment due date.

  • Does not offer direct payment to creditors with debt consolidation loans.

  • Can fund loans the same day.

  • Available in all 50 states and Washington, D.C.

  • Pre-qualification available only through partners.

  • Discloses rates on website.

  • Offers extended business hours for customer support.

  • Offers no financial education.

Key terms to know about personal loans

Annual percentage rate is the interest rate on your loan plus all fees, calculated on an annual basis and expressed as a percentage. Use the APR to compare loan costs from multiple lenders.

An origination fee is a one-time, upfront fee that some lenders charge for processing a loan. The fee can range from 1% to 10% of the loan amount, and lenders typically deduct it from your loan proceeds.

The debt-to-income ratio divides your total monthly debt payments by your gross monthly income, giving you a percentage. Lenders use DTI — along with credit history and other factors — to evaluate a borrower's financial ability to repay a loan.

Lenders that offer pre-qualification typically do so using a soft credit check, which allows you to see rates and terms you qualify for without affecting your credit score. If you accept the loan offer, the lender will perform a hard check to confirm your information. Hard checks knock a few points off your credit score.

Where LightStream stands out

Low rates and no fees: LightStream offers low starting rates, but they vary based on loan amount, purpose, repayment term and the applicant’s credit profile, according to the lender. Excellent credit is required to receive the lowest rates, and borrowers who choose autopay can receive a rate discount of 0.5 percentage points.

LightStream also doesn't charge fees for loan origination, late payments or prepayment.

Term availability: LightStream’s wide window of available repayment terms (two to seven years for most loans) gives borrowers the option to prioritize less overall interest with a shorter term or lower monthly payments with a longer term.

Special home improvement features: Borrowers with good or excellent credit looking to finance a home improvement project may qualify for extended loan terms up to 12 years, with no appraisals or home equity requirements. Longer repayment terms can make monthly payments more affordable on expensive home projects, like a kitchen remodel, solar panel installation or swimming pool addition. The lender can also delay funding a loan for up to 90 days, which gives you more time to coordinate the remodel without additional interest.

Rate beat program: LightStream says it will beat a competitor’s interest rate by one-tenth of a percentage point if you can show you are approved by the competitor for an unsecured, fixed-rate loan with the same terms.

Satisfaction guarantee: LightStream offers $100 back for unhappy borrowers who have had their loan for less than 30 days. You must contact the company and fill out a questionnaire to receive the $100.

» MORE:Best good-credit lenders

Where LightStream falls short

Hard credit check: LightStream’s loan calculator displays example rates based on your desired loan purpose and loan amount, but the lender only offers a hard pull to applications that originate on its website. However, it uses a soft credit check to pre-qualify applicants through NerdWallet.

No direct payment to creditors: Unlike other lenders, LightStream doesn't send payments directly to creditors when you consolidate debts with a loan. Instead, borrowers have to keep track of their own repayments.

Limited customer service options: Applicants who have questions are directed to an email form on LightStream’s website. According to the lender, once you become a customer, you are provided a phone number to contact customer service.

» MORE:Best online loans

How to qualify for a LightStream loan

  • Minimum credit score: 660.

  • Several years of credit history.

  • Multiple account types within your credit history, like major credit cards, a car loan or other installment loan and a mortgage.

  • Strong payment history with few or no delinquencies.

  • Investments, retirement savings or other evidence of an ability to save money.

  • Enough income to pay existing debts and a new LightStream loan.

Loan example: A four-year, $20,000 loan with an 11.2% APR would cost $519 in monthly payments. You’d pay $4,912 in total interest on that loan.

Pre-qualify on NerdWallet

NerdWallet recommends comparing loans to find the best rate for you. Click the button below to pre-qualify on NerdWallet. You may receive personalized rates from multiple lenders that partner with us, including LightStream. Pre-qualifying will not impact your credit.

Apply on LightStream

You can fill out an application on LightStream’s website. After entering some personal information, you’ll be presented with loan options.

Источник: https://www.nerdwallet.com/reviews/loans/personal-loans/lightstream-personal-loans

1Your APR may differ based on loan purpose, amount, term, and your credit profile. Rate is quoted with SwimmingPool.com discount and AutoPay repayment discount, which is only available when you select AutoPay prior to loan funding. Rates under the invoicing option are 0.50% points higher. Excellent credit is required to qualify for the lowest rates. Subject to credit approval. Conditions and limitations apply. Advertised rates and terms are subject to change without notice.

Payment example: Monthly payments for a $25,000 loan at 6.39% APR with a term of 12 years would result in 144 monthly payments of $249.04.

Discount of .50 percentage points is for a new LightStream loan referred online by Swimmingpool.com. Borrower must apply directly through this website, and with cookies activated on their browser, in order for this offer to be tracked and valid.

Sun Trust Bank IconTruist Bank is an Equal Housing Lender. © 2021 Truist Financial Corporation. SunTrust, Truist, LightStream, the LightStream logo, and the SunTrust logo are service marks of Truist Financial Corporation. All other trademarks are the property of their respective owners. Lending services provided by Truist Bank.

Источник: https://www.swimmingpool.com/resources/financing/

When you finance with LightStream, your good credit will be rewarded.

Good credit customers deserve a low-interest, fixed-rate loan. LightStream’s low rates are even backed by their Rate Beat Program, so you can be extra confident you’re getting the best rate.

You’re in control of your LightStream loan.

Financing with LightStream means you can choose payment terms that fit your budget. Get a home improvement loan from $5,000 to $100,000 with flexible terms to make repaying your fixed-rate loan even easier.

Whole project funding. No fees. No home equity requirements.

When you finance with LightStream, you don’t have to deal with fees, prepayment penalties, appraisals or home equity requirements. LightStream is focused on making the process seamless for you without giving you hoops to jump through.

LightStream’s easy, online application process is followed by quick funds. When you fill out your application and complete all of your loan information by 2:30pm EST on a business banking day, LightStream can get funds over to you as soon as the same day you apply!

Plant Tree

LightStream plants a tree with every loan. Your loan makes a difference!

*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 without Autopay may be higher. Subject to credit approval. Conditions and limitations apply. Advertised rates and terms are subject to change without notice.

EHL Logo

Truist Bank is an Equal Housing Lender. © Truist Financial Corporation. SunTrust, Truist, LightStream, the LightStream logo, and the SunTrust logo are service marks of Truist Financial Corporation. All other trademarks are the property of their respective owners. Lending services provided by Truist Bank.

Источник: https://www.atdrestoration.com/lightstream-a-division-of-suntrust-bank/

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