Product from LightStream

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

Updated November 29, 2022
5 out of 5
Check rates
On partner's site

Check your personal loan rates

scorer
APR Range
5.99 - 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

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Options

  • Loan purpose:
    Personal Loan
  • Lender:
  • 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
5.99 - 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%
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)

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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.

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