Debt Consolidation Loan from LightStream

Debt Consolidation Loan from LightStream - see full info about rates, terms, credit score.

Updated February 08, 2023
Advertiser Disclosure
5 out of 5
Check rates
On partner's site

Check your personal loan rates

scorer
APR Range
6.99 - 21.49%
scorer
Amount
up to $100,000
scorer
Term
up to 72 months
scorer
Minimum credit score:
Fair (580-669)
scorer
No early payoff penalty
scorer
No origination fee
See full info about rates in different states

We recommend more loans

LightStream
LightStream
Personal Loan
5.99 - 21.49 %
APR
2 - 6 years
Loan Term
$5,000 - $100,000
Loan Amount
Check rates
On partner's site
Marcus by Goldman Sachs
Marcus by Goldman Sachs
Personal Loan
6.99 - 24.99 %
APR
3 - 6 years
Loan Term
$3,500 - $40,000
Loan Amount
Check rates
On partner's site
Upstart
Upstart
Personal Loan
5.6 - 35.99 %
APR
3 - 5 years
Loan Term
$1,000 - $50,000
Loan Amount
Check rates
On partner's site
On partner's site
Check rates

Options

  • Loan purpose:
    Debt Consolidation Loan
  • Lender:
    LightStream
  • Bank:
    Truist Bank
  • Credit Level:
    Fair (580-669)
  • When funds are available:
    1 business day.

Fees

  • Origination fee
    No origination fee.
  • Early payment fee
    No early payment fees.
  • Late fee
    No late fees.

Pros & Cons

Pros:
  • Low rates
  • No fees
  • Fast approval and funding
  • Rate discount for autopay
  • Digital experience
Cons:
  • Minimum loan amount is a bit high
  • Requires a long credit history

Rates

Rates
6.99 - 21.49%
Term
24 - 72 months
Loan Amount
$5,000 - $100,000
Autopay
0.5%*
* In case of using Autopay service your rate is reduced by 0.5%
For example, if you apply for a 2-year $5,000 personal loan with an interest rate of 15% and an origination fee of 5% you would receive $4,750 and make 24 payments of $242.43. The total amount paid would be $5,818.
View all Rates & Fees

Requirements

  • What you need to get approved (Qualifications)
    FICO® score 660 or higher.
  • Requirements Description
    • Personal information (Name, Address, Phone Number, Date of Birth, Social Security Number)
    • Income Particulars (Income Type, Pay Method, Pay Frequency, Monthly Income)
    • Banking Details (Account Type, Account & Routing Numbers, Age of Account)

Check loans from other lenders

Payoff®
Payoff®
Personal Loan
2.66 out of 5
Recommended credit score
bank name
Good (670-739)
  • 8.99 - 29.99 %
    APR
  • 2 - 5 years
    Loan Term
  • $5,000 - $40,000
    Loan Amount
Check rates
On partner's site
LendingClub
LendingClub
Personal Loan
3.73 out of 5
Recommended credit score
bank name
Poor (300-579)
  • 8.3 - 36 %
    APR
  • 3 - 5 years
    Loan Term
  • $1,000 - $40,000
    Loan Amount
Check rates
On partner's site
SoFi
SoFi
Personal Loan
5 out of 5
Recommended credit score
bank name
Good (670-739)
  • 7.99 - 23.43 %
    APR
  • 2 - 7 years
    Loan Term
  • $5,000 - $100,000
    Loan Amount
Check rates
On partner's site

Description

  • LightStream is the online lending division of Truist (formerly SunTrust Bank).

    The key feature of LightStream's online personal loans is that they can be up to $100,000 and used for nearly any reason.

    LightStream charges no fees on its personal loans. Plus, it offers to send you $100 if you’re unsatisfied with the loan process.

    The loan gives you the choice of your funding date and repayment terms. You can save money each month, if you have good credit, by consolidating multiple debt payments into a single payment at a lower interest rate.

Another popular loans for you
Avant
Avant
Personal Loan
3.45 out of 5
Check rates
On partner's site
Prosper
Prosper
Personal Loan
2.36 out of 5
Check rates
On partner's site
Best Egg
Best Egg
Personal Loan
2.97 out of 5
Check rates
On partner's site