LightStream Auto Loan vs. SoFi Auto Loan
Side-by-side comparison · Updated 2026 · Independently reviewed
WealthSpott Verdict
LightStream Auto Loan and SoFi Auto Loan are closely matched. The right choice depends on your credit profile, desired loan amount, and how quickly you need funding.
Feature
LightStream Auto Loan
SoFi Auto Loan
APR Range
6.49% – 20.49%
5.99% – 17.99% Best
Loan Amount
$5,000 – $100,000
$5,000 – $100,000
Term Length
24–84 months
24–84 months
Origination Fee
None
None
Min Credit Score
660+ Best
680+
Funding Speed
Same day
A few days
LightStream Auto Loan
Pros
- Very competitive rates
- Very competitive rates
- Same-day funding
- Same-day funding
- No fees
- No fees
Cons
- Best for strong credit
- Best for strong credit
- Online only
- Online only
SoFi Auto Loan
Pros
- Purchase and refinance available
- Purchase and refinance available
- No fees
- No fees
- Member benefits
- Member benefits
Cons
- Good credit needed
- Good credit needed
- Online only
- Online only
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