*AutoPay discount is only available prior to loan funding. Rates without AutoPay are 0.50% higher.
When you have good credit, you’ve earned a lower interest rate, and a refreshingly simple loan process. We’ve built our business around that belief, and it’s made us the premier national online consumer lender. Got good credit? Get a low-interest, no-fee loan from $5,000 to $100,000, for practically any purpose, as soon as today.3
At LightStream we’ve put you, the customer, at the center of the loan process. You decide your loan amount, terms and funding date through an online process that you control. And we guarantee that it will be the best loan process you’ve ever experienced. If after receiving your loan from us you are not completely satisfied, we’ll send you $100.1
Many lenders claim that they have low interest rates. At LightStream we actually do. We are so confident in the competitiveness of our interest rates that we will beat a qualifying interest rate (APR)2 from any other lender. With our low rates and our commitment to exceptional service, there's no reason to go anywhere else when you need a loan.
*AutoPay discount is only available prior to loan funding. Rates without AutoPay are 0.50% higher.
Auto
Kitchen or Bath Remodel
Debt
Swimming Pool
Medical
Wedding
Timeshare
Apply Online
Accept Loan Agreement
That's it! Use Your Loan
Apply Online
Accept Loan Agreement
That's it! Use Your Loan
Several years of credit history with a variety of account types such as major credit cards, installment debt (vehicle loans), and mortgage debt if applicable.
An ability to save evidenced by: liquid assets, cash down payments on real estate, retirement savings, and manageable revolving credit card debt.
Stable and sufficient income and assets to repay current debt obligations and any new loan with LightStream.
A good payment history with few, if any, delinquencies or other problems repaying debt obligations.
Several years of credit history with a variety of account types such as major credit cards, installment debt (vehicle loans), and mortgage debt if applicable.
An ability to save evidenced by: liquid assets, cash down payments on real estate, retirement savings, and manageable revolving credit card debt.
Stable and sufficient income and assets to repay current debt obligations and any new loan with LightStream.
A good payment history with few, if any, delinquencies or other problems repaying debt obligations.
With LightStream you know you'll get a great rate, and the best loan process you've ever experienced – guaranteed.
LightStream is by far the best loan company I have ever used. Their application process is so user friendly! I also like the planting of a tree for every loan! I will definitely be one to spread the word about this great company!
I CANNOT begin to share how much I appreciate LightStream as an organization, and like any other organization, it's the people that make the organization. I myself work in HR for a global company, and I truly understand the importance of fielding a great team that understands customer needs, is empathetic, and willing to problem solve – even when the problem wasn't created by them or their organization. Many, MANY thanks!
Thank YOU! Super rewarding experience! Never came across a so efficient loan process!
This has been one of the most pleasurable loan applications I have ever done. Thank you very much. You have made our day. It made our year and our retirement!
“LightStream, an offshoot of SunTrust Bank, offers excellent rates for creditworthy borrowers for non-home and auto-related personal loans... There are no fees for loan origination, prepayment, or anything else… flexible terms and high borrowing limits make it a good choice… [LightStream is] also speedier than peer-to-peer competitors — you can have your money in as little as a day.”
“Good for: borrowers with good credit looking for a no-hassle loan from a well-known bank… LightStream is tailored to customers with strong credentials — even promising to beat some competitors’ rates to get those customers.”
“LightStream is a great choice for people with excellent credit. It is actually part of a bank you might have heard of, SunTrust Bank. They were recently set up to offer some of the best personal loan rates available, and they are delivering.”
“… recognized based solely on surveys about the workplace completed by their employees. Top Workplaces are not only better places to work but are more likely to be successful than peer organizations.”
With LightStream you know you'll get a great rate, and the best loan process you've ever experienced – guaranteed.
LightStream is by far the best loan company I have ever used. Their application process is so user friendly! I also like the planting of a tree for every loan! I will definitely be one to spread the word about this great company!
I CANNOT begin to share how much I appreciate LightStream as an organization, and like any other organization, it's the people that make the organization. I myself work in HR for a global company, and I truly understand the importance of fielding a great team that understands customer needs, is empathetic, and willing to problem solve – even when the problem wasn't created by them or their organization. Many, MANY thanks!
Thank YOU! Super rewarding experience! Never came across a so efficient loan process!
This has been one of the most pleasurable loan applications I have ever done. Thank you very much. You have made our day. It made our year and our retirement!
“LightStream, an offshoot of SunTrust Bank, offers excellent rates for creditworthy borrowers for non-home and auto-related personal loans... There are no fees for loan origination, prepayment, or anything else… flexible terms and high borrowing limits make it a good choice… [LightStream is] also speedier than peer-to-peer competitors — you can have your money in as little as a day.”
“Good for: borrowers with good credit looking for a no-hassle loan from a well-known bank… LightStream is tailored to customers with strong credentials — even promising to beat some competitors’ rates to get those customers.”
“LightStream is a great choice for people with excellent credit. It is actually part of a bank you might have heard of, SunTrust Bank. They were recently set up to offer some of the best personal loan rates available, and they are delivering.”
“… recognized based solely on surveys about the workplace completed by their employees. Top Workplaces are not only better places to work but are more likely to be successful than peer organizations.”
At LightStream, we care about the environment and, more importantly, we try to do something about it. For one, we have created a virtually paperless consumer loan experience at LightStream. By eliminating paper almost entirely from the LightStream loan process, we not only save our natural resources but we save on expenses as well, better enabling us to offer you highly competitive interest rates.
In addition, for every loan that we fund for our customers, we will have a tree planted in one of our country's fragile habitat communities currently under restoration.
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