Loans/personal/LightStream Personal Loan
Personal Loan
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LightStream Personal Loan

LightStream

4.7
(21,400 reviews)

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Loan Details at a Glance

APR Range

7.49% - 25.99%

Loan Amount

$5K - $100K

Loan Terms

2 - 12 years

Min. Credit Score

660

Overview

LightStream, a division of Truist Bank, offers some of the lowest rates on personal loans with no fees and same-day funding.

Best for: Borrowers with excellent credit seeking the lowest rates

Pros & Cons

Pros

  • Lowest rates for excellent credit
  • No origination fee
  • Long repayment terms available
  • Quick funding

Cons

  • Excellent credit required
  • No prequalification
  • No physical branches

Key Features

  • No fees
  • Rate Beat Program
  • Same-day funding available
  • Flexible loan amounts and terms
  • AutoPay discount

Common Uses

Debt consolidation
Home improvement
Auto purchase
Major purchase

Frequently Asked Questions

Ready to Apply?

Soft credit check
No impact on credit score
Same day possible

Checking rates won't affect your credit score

Loan Terms

Origination Fee:0%
Prepayment Penalty:None
Funding Speed:Same day possible