Personal Loans

Buy or Refinance Practically Anything

For good to excellent credit customers. AAA members with good credit get a special discount from our partner LightStream. AAA has partnered with LightStream, the online lending division of SunTrust Bank, to bring you a special discounted rate on a loan for practically anything.

Along with your AAA discount, LightStream offers:

  • LOW RATES, from 4.19% APR to 19.89%*‡ APR with AutoPay, (reflects AAA Mid-Atlantic member discount) depending on loan purpose, for amounts from $5,000 to $100,000
  • Funds in your account AS SOON AS TODAY1
  • SUPER-FAST, SUPER-EASY online application
  • NO FEES, period
  • Your BEST LOAN EXPERIENCE ever, or you get $1002

Young man hammers nails into table
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Home Improvement Financing

Use a Lightstream loan to fund your pool, roof, deck- or any home improvement, inside or out.

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Fishing boat and fisherman out on the water at sunset
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Boat & RV Financing

Shopping for a boat, or RV? Lightstream can help make our dreams come true, with a fixed-rate loan.

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Oceanfront timeshare with landscaped yard
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Timeshare Financing

Want to finance, or refinance, your timeshare or fractional vacation home?

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AAA may be compensated for the referral of loan customers to LightStream.

*Your LightStream loan 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.

‡Discount of .10 percentage point is for a new LightStream loan referred online by AAA Members must apply directly through this AAA website to connect to LightStream, with cookies activated on their browser, in order for this offer to be tracked and valid.

1An approved consumer can fund their loan today if today is a banking business day, their application is approved by LightStream, and they complete the following steps by 2:30 p.m. Eastern time: (1) review and electronically sign their loan agreement on the LightStream website; (2) provide LightStream with their funding preferences and relevant banking information; and (3) complete the final verification process with LightStream. 

2After an approved consumer receives their loan from LightStream, if they are not completely satisfied with their experience with LightStream, please contact LightStream. LightStream will email them a questionnaire so LightStream can improve its services. When LightStream receives the completed questionnaire, LightStream will send the consumer $100. The LightStream guarantee expires 30 days after the consumer receives their 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. 

SunTrust Bank is an Equal Housing Lender. © 2020 Truist Financial Corporation. SunTrust®, Truist, LightStream®, the LightStream logo, and the SunTrust logo are service marks of Truist Financial Corporation. All rights reserved. All other trademarks are the property of their respective owners. Lending services provided by SunTrust now Truist Bank.