Personal Loan from LightStream

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

Updated April 23, 2022
5 out of 5
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On LightStream‘s site

Check your personal loan rates

scorer
APR Range
2.49 - 19.99%
scorer
Amount
up to $100,000
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Term
up to 144 months
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Minimum credit score:
Good (670-739)
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No early payoff penalty
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No origination fee

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On LightStream‘s site
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Options

  • Loan purpose:
    Personal Loan
  • Lender:
  • Bank:
    Truist Bank
  • Credit Level:
    Good (670-739)
  • 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

Loan amountLoan term (months)
24-3637-4849-6061-7273-8485-144
$5,000 - $9,999 4.99% - 17.99% 5.59% - 18.74% 6.19% - 18.99% 6.44% - 19.74% 6.69% - 10.49% N/A
$10,000 - $24,999 2.49% - 16.49% 2.84% - 16.99% 3.19% - 17.24% 3.44% - 17.99% 4.69% - 16.29% N/A
$25,000 - $49,999 2.99% - 16.49% 3.34% - 16.99% 3.69% - 17.24% 3.94% - 17.99% 5.19% - 19.24% 5.99% - 16.49%
$50,000 - $100,000 2.99% - 16.99% 3.34% - 17.99% 3.69% - 18.49% 3.94% - 19.24% 5.19% - 19.99% 5.99% - 16.49%
* 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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