Lending Uncomplicated®Rates vary by loan purpose.
J.D. Power ranks LightStream #1 in customer satisfaction
We're proud to be ranked #1 in customer satisfaction for personal loans in the J.D. Power 2020 U.S. Consumer Lending Satisfaction Study. Surveyed consumers ranked LightStream highest in offering and terms, application and approval process, and loan management.
For J.D. Power 2020 award information, visit jdpower.com/awards
What do you want to fund?
Please note: Credit Card/Debt Consolidation loan amounts greater than $50,000 are only available for
Excellent Credit
Given the unique nature of each individual’s credit situation, LightStream believes there is no single definition for "excellent credit." However, we find individuals with excellent credit usually share the following characteristics:
- Five or more years of significant credit history
- A credit history with a variety of account types such as major credit cards (for example, Visa, MasterCard, Amex), installment debt (vehicle loans) and mortgage debt if applicable
- An excellent payment history with no delinquencies or other problems repaying debt obligations
- A proven ability to save evidenced by some or all of the following; liquid assets (stocks, bonds, bank deposits, etc.), cash down payments on real estate, retirement savings, and little, if any, revolving credit card debt
- Stable and sufficient income and assets to easily repay current debt obligations and any new loan with LightStream
Finally, it should be noted again that each individual situation is different and that we make our credit judgment based on the specific facts of that situation. Ultimately, our determination of excellent credit is based on whether we conclude that there is a very high likelihood that our loan will be repaid in a full and timely manner.
.Please note: Credit Card/Debt Consolidation loan terms greater than 60 months with a loan amount of less than $25,000 are only available for
Excellent Credit
Given the unique nature of each individual’s credit situation, LightStream believes there is no single definition for "excellent credit." However, we find individuals with excellent credit usually share the following characteristics:
- Five or more years of significant credit history
- A credit history with a variety of account types such as major credit cards (for example, Visa, MasterCard, Amex), installment debt (vehicle loans) and mortgage debt if applicable
- An excellent payment history with no delinquencies or other problems repaying debt obligations
- A proven ability to save evidenced by some or all of the following; liquid assets (stocks, bonds, bank deposits, etc.), cash down payments on real estate, retirement savings, and little, if any, revolving credit card debt
- Stable and sufficient income and assets to easily repay current debt obligations and any new loan with LightStream
Finally, it should be noted again that each individual situation is different and that we make our credit judgment based on the specific facts of that situation. Ultimately, our determination of excellent credit is based on whether we conclude that there is a very high likelihood that our loan will be repaid in a full and timely manner.
.Rates for each loan amount and term combination below are shown in a minimum to maximum range because LightStream rates and terms vary based on your credit profile. The lowest rate in each range requires that you have an
Excellent Credit
Given the unique nature of each individual’s credit situation, LightStream believes there is no single definition for "excellent credit." However, we find individuals with excellent credit usually share the following characteristics:
- Five or more years of significant credit history
- A credit history with a variety of account types such as major credit cards (for example, Visa, MasterCard, Amex), installment debt (vehicle loans) and mortgage debt if applicable
- An excellent payment history with no delinquencies or other problems repaying debt obligations
- A proven ability to save evidenced by some or all of the following; liquid assets (stocks, bonds, bank deposits, etc.), cash down payments on real estate, retirement savings, and little, if any, revolving credit card debt
- Stable and sufficient income and assets to easily repay current debt obligations and any new loan with LightStream
Finally, it should be noted again that each individual situation is different and that we make our credit judgment based on the specific facts of that situation. Ultimately, our determination of excellent credit is based on whether we conclude that there is a very high likelihood that our loan will be repaid in a full and timely manner.
profile. N/A means that LightStream loans are not available for that loan amount and term combination.Rates for each loan amount and term combination below are shown in a minimum to maximum range because LightStream rates vary based on your credit profile. The lowest rate in each range is for LightStream's unsecured auto loan product and requires that you have an
Excellent Credit
Given the unique nature of each individual’s credit situation, LightStream believes there is no single definition for "excellent credit." However, we find individuals with excellent credit usually share the following characteristics:
- Five or more years of significant credit history
- A credit history with a variety of account types such as major credit cards (for example, Visa, MasterCard, Amex), installment debt (vehicle loans) and mortgage debt if applicable
- An excellent payment history with no delinquencies or other problems repaying debt obligations
- A proven ability to save evidenced by some or all of the following; liquid assets (stocks, bonds, bank deposits, etc.), cash down payments on real estate, retirement savings, and little, if any, revolving credit card debt
- Stable and sufficient income and assets to easily repay current debt obligations and any new loan with LightStream
Finally, it should be noted again that each individual situation is different and that we make our credit judgment based on the specific facts of that situation. Ultimately, our determination of excellent credit is based on whether we conclude that there is a very high likelihood that our loan will be repaid in a full and timely manner.
profile. If your application is approved, your credit profile will determine your rate. N/A means that LightStream loans are not available for that loan amount and term combination.
- Rates quoted with AutoPay option. Invoicing option is 0.50% points higher.
- Fixed rate, simple interest fully amortizing installment loans, no fees or prepayment penalties.
- Loan proceeds may not be used to refinance any existing loan with LightStream.
- Florida loans subject to
Florida Doc Stamp Info
Under Florida law we are required to collect and transmit to the State of Florida, on your behalf, a documentary stamp tax. The amount of this tax, which is slightly more than .0035 times your loan amount (or just over $35 for a $10,000 loan), will be added to your loan amount if your loan request is approved and funded. Stamp tax is NOT included when determining loan interest rate.
. The tax amount is not included in the quoted APR.
It's easy to find your rate.
Apply onlineReceive your funds as soon as today.Accept loan agreementThat's it! Use your loanYou will receive a response shortly during business hours.Once approved, e-sign your loan agreement and set-up your loan for funding.Apply in minutes. Have funds in your account as soon as today.
Credit historySeveral years of credit history with a variety of account types such as major credit cards, installment debt (vehicle loans), and mortgage debt if applicable.AssetsAn ability to save evidenced by: liquid assets, cash down payments on real estate, retirement savings, and manageable revolving credit card debt.IncomeStable and sufficient income and assets to repay current debt obligations and any new loan with LightStream.Payment historyA good payment history with few, if any, delinquencies or other problems repaying debt obligations.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:
Our customers love us. Find out why.
Download the new LightStream app.
It's the easy way to manage your LightStream account with a tap of a button.
- Check payment due dates
- Monitor account balances
- Make payments
- Apply for a new loan
The LightStream experience
Learn more about how LightStream loans can be used to finance:
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Your loan terms, including APR, may differ based on loan purpose, amount, term length, and your credit profile. Lowest rates require excellent credit. At least 25% of approved applicants applying for the lowest rate qualified for the lowest rate available based on data from 07/01/2020 to 09/30/2020. Rate is quoted with AutoPay discount. AutoPay discount is only available prior to loan funding. Rates without AutoPay are 0.50% points higher. Subject to credit approval. Conditions and limitations apply. Advertised rates and terms are subject to change without notice.
Maximum APR for a LightStream loan is
1
You can fund your loan today if today is a banking business day, your application is approved, and you complete the following steps by 2:30 p.m. Eastern time: (1) review and electronically sign your loan agreement; (2) provide us with your funding preferences and relevant banking information; and (3) complete the final verification process.