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LightStream

Low Rates Loans
LightStream is an online lender offering people with good credit scores personal loans at low rates.

Overview

LightStream is an online lender that offers online loans for almost anything you may need money quickly for, from a wedding or home remodel to consolidating multiple loans or debt into one single loan. You can get better rates for your loan if you have a good credit score and access the lowest rate; you will need an excellent credit score.

As a division of Truist Bank, LightStream is a reputable partner that can get you unsecured financing in less time and with easy terms for repayment. 

LightStream Loans

LightStream’s personal loans offer low interest rates compared to other personal loan lenders. In addition, the loan purpose of a personal loan is very varied; you can use the funds for nearly anything, like paying for a wedding or trip, remodeling your home, or paying off medical expenses. Apart from personal loans, LightStream also offers auto loans to purchase a new car or refinance your current loan and debt consolidation loans to get a lower rate and a single monthly payment of all your credit card and other debt.

LightStream loan term length starts at 24 months, but you can choose up to 144 months for higher loan amounts. The loan amounts for personal loans range from $5,000 up to $100,000, and the longer the term, the higher the APR.

The rates offered by LightStream are fixed rates, and they don’t charge fees or have any prepayment penalties or late fees. They also charge no origination fees on any of their loans. If you want to access even lower rates, LightStream offers an autopay discount, which is a rate discount if you set up AutoPay to pay off your loan installments.

How To Qualify For LighStream Loans

You won’t know for sure if you qualify unless you fill out their fast online application. However, potential borrowers should understand that LightStream does require a minimum credit score to be eligible for a personal loan. So, if you are thinking about apply8ing for a LightStream loan, here are some of the guidelines they look for in your credit profile and other things: 

  • Assets like retirement savings, down payments on real estate
  • Several years of credit history with a variety of credit account types 
  • Stable income to repay your loan
  • Good payment history

LightStream tries to reward people with good or excellent credit with an easy and quick personal loan service. Money is available in many cases on the same day as loan approval and e-signing your agreement. For people looking for an unsecured personal loan for virtually any need, LightStream provides options that are guaranteed to beat their competitors.

How Does LightStream Work?

Working with LightStream is extremely easy. The application is very fast, and you should expect to receive your loan offer and an answer regarding credit approval within business hours. Once approved, you will e-sign your loan agreement and determine your funding preferences, like where you want your funds deposited. You can expect same-day funding to get your funds deposited into your account the same day you sign your loan agreement in many cases. After you receive your funds, you are ready to use them for your personal needs. Repaying your loan is easy to manage through your account with LightStream.

LightStream makes the loan application process fast, using the power of the internet to review your information and find the best way to offer the financial assistance you need. 

LightStream Reviews and Customer Experience

LightStream is so committed to customer satisfaction through the entire loan process that they will send you $100 if you are unsatisfied with your experience. This loan experience guarantee shows just how much they believe in the quality of their service and the fantastic lending options they have for their consumers.

There are many places online that claim to be an excellent solution for people needing an avenue for funding that falls short of expectations. The application process is quick and straightforward with a fast loan decision. While it is not an option for people with subprime credit, they can provide the best interest rate for approved ones. You’ll be able to get funding for many different needs, including an auto loan, debt consolidation loans, home improvement loans, or other major needs like funding a wedding, timeshare, or other unforeseen financing needs. With LightStream, you can get your funds very fast, often on the same day as you e-sign your contract.

How To Get Started

When you find yourself in need of an unsecured personal loan, looking to LightStream may be one of the best decisions you can make. If you fit the right credit requirements will find that the application is quick and easy. Funds are available quickly, and repayment is easily managed through the LightStream website. If you are ready to take the next step toward securing the personal loan you need, visit the LightStream website to take the next step and apply for the loan online.

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Products and Services

Why Us

Competitive Interest Rates

Get a personal loan at very competitive rates, and access a discount when you set up autopay to pay back your loan.

Use Funds For Nearly Anything

You can use the loan funds for nearly anything, like paying for a wedding, remodeling your home, or paying for medical expenses.

No Fees

Pay no origination, prepayment, or late fees on your loan.

Video

Get a Personal Loan with Low Rates

Get an online personal loan with low interest rates, discounts with setting up auto payments to pay back your loan, and no origination or prepayment fees.

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This page’s information results from independent research by our editorial team, who does their best to reflect factual and accurate information about the financial institution and its products. Financial institutions are not responsible for the content posted on Banks.com; visit the financial institutions’ website or contact it directly if you have any questions.

If you work for this financial institution and want to adjust any information, contact us at partners@banks.com.

* LightStream is a division of Truist Bank.