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Why LightStream?
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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
$100 Loan Experience Guarantee1
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
We will beat any qualifying rate.2
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.

* The lowest APR listed is for an unsecured loan between $10,000 and $24,999 with a term between 24 and 36 months for applicants with excellent credit. Your APR may differ based on loan purpose, amount, term, and your credit profile. Rate is quoted with AutoPay discount, which is only available when you select AutoPay prior to loan funding. Rates under the invoicing option are 0.50% higher. If your application is approved, your credit profile will determine whether your loan will be unsecured or secured. Subject to credit approval. Conditions and limitations apply. Advertised rates and terms are subject to change without notice.

What do you want to fund?

Annual Percentage Rates (APR)

It's easy to find your rate.

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Monthly Payment:
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Interest rate / APR:
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Rates quoted with Premier Banking Discount

(Exact rate within this range is determined by credit profile)

Annual Percentage Rates (APR)

Based on your selected loan purpose, below is a table of loan terms and available rates.

Loan Term (months) *
Loan Amount
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{{term.Min}}-{{term.Max}} months:

Loan Terms:

rate beat offer
Apply

Apply in minutes.
Have funds in your account as soon as today. 3

1

Apply Online

You will receive a response shortly during business hours.
2

Accept Loan Agreement

Once approved, e-sign your loan agreement and set-up your loan for funding.
3

That's it! Use Your Loan

Receive your funds as soon as today! 3
3

Apply in minutes.
Have funds in your account as soon as today.3

1

Apply Online

You will receive a response shortly during business hours.
2

Accept Loan Agreement

Once approved, e-sign your loan agreement and set-up your loan for funding.
3

That's it! Use Your Loan

Receive your funds as soon as today! 3
3

Finally, a loan that rewards your credit.

When you have a track record of financial responsibility, you deserve an exceptional rate and superior service.
LightStream customers share these characteristics:

Credit History

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.

Assets

An ability to save evidenced by: liquid assets, cash down payments on real estate, retirement savings, and manageable revolving credit card debt.

Income

Stable and sufficient income and assets to repay current debt obligations and any new loan with LightStream.

Payment History

A good payment history with few, if any, delinquencies or other problems repaying debt obligations.

Credit History

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.

Assets

An ability to save evidenced by: liquid assets, cash down payments on real estate, retirement savings, and manageable revolving credit card debt.

Income

Stable and sufficient income and assets to repay current debt obligations and any new loan with LightStream.

Payment History

A good payment history with few, if any, delinquencies or other problems repaying debt obligations.

The LightStream experience

Why we're different

With LightStream you know you'll get a great rate, and the best loan process you've ever experienced – guaranteed.

What our customers are saying about LightStream What our customers are saying about LightStream

Unsolicited customer comments

  • Comment 1 of 4

    I just wanted to say thank you and your team. Customer service is excellent in my opinion. The process was fast and simple. I saved a lot of money from my high interest debts thanks to you guys. I would highly recommend LightStream for any type of loans. Once again thank you guys so much.

    — A.N. from Lahaina, HI
  • Comment 2 of 4

    Love the way you have this structured! Best loan process we've ever experienced! Makes me want to do it twice!

    — S.L. from Acworth, GA
  • Comment 3 of 4

    I just wanted to let you know your service thus far is outstanding. The process of obtaining the loan was straightforward and fair. The payment structure is clear. The conveniences in terms of making extra payments, as well as automatically providing updated amortization schedules, amount to above and beyond customer service. I am very pleased, and glad to do business with your institution. Thank you.

    — R.L. from Forest Hills, NY
  • Comment 4 of 4

    Honestly that was the most pleasant banking experience. Thank you SunTrust team!!! Not just due to getting approved but fast, efficient, and no stress. Thank you again.

    — J.C. from Roanoke, VA
Read more...
LightStream in the news LightStream in the news

Media coverage

  • Comment 1 of 4

    “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.”

    — The Simple Dollar, "Best Online Personal Loan Companies for 2018"
  • Comment 2 of 4

    “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.”

    — NerdWallet, "LightStream Auto Loans: 2018 Review"
  • Comment 3 of 4

    “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.”

    — Magnify Money, "Where to Get The Best Personal Loan Rates Online"
  • Comment 4 of 4

    “… 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.”

    — San Diego Union Tribune, "2017 Top Workplaces"

Why we're different

With LightStream you know you'll get a great rate, and the best loan process you've ever experienced – guaranteed.

What our customers are saying about LightStream What our customers are saying about LightStream

Unsolicited customer comments

  • Comment 1 of 4

    I just wanted to say thank you and your team. Customer service is excellent in my opinion. The process was fast and simple. I saved a lot of money from my high interest debts thanks to you guys. I would highly recommend LightStream for any type of loans. Once again thank you guys so much.

    — A.N. from Lahaina, HI
  • Comment 2 of 4

    Love the way you have this structured! Best loan process we've ever experienced! Makes me want to do it twice!

    — S.L. from Acworth, GA
  • Comment 3 of 4

    I just wanted to let you know your service thus far is outstanding. The process of obtaining the loan was straightforward and fair. The payment structure is clear. The conveniences in terms of making extra payments, as well as automatically providing updated amortization schedules, amount to above and beyond customer service. I am very pleased, and glad to do business with your institution. Thank you.

    — R.L. from Forest Hills, NY
  • Comment 4 of 4

    Honestly that was the most pleasant banking experience. Thank you SunTrust team!!! Not just due to getting approved but fast, efficient, and no stress. Thank you again.

    — J.C. from Roanoke, VA
Read more...
LightStream in the news LightStream in the news

Media coverage

  • Comment 1 of 4

    “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.”

    — The Simple Dollar, "Best Online Personal Loan Companies for 2018"
  • Comment 2 of 4

    “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.”

    — NerdWallet, "LightStream Auto Loans: 2018 Review"
  • Comment 3 of 4

    “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.”

    — Magnify Money, "Where to Get The Best Personal Loan Rates Online"
  • Comment 4 of 4

    “… 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.”

    — San Diego Union Tribune, "2017 Top Workplaces"

Lending Uncomplicated®

Only from LightStream.

Learn more about how LightStream loans can be used to finance:

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.

For every loan we plant a tree
LightStream
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