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

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Annual Percentage Rates (APR)

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Affordable Home Improvement Program loans cannot exceed $10,000.00.

Loan Terms:

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Have funds in your account as soon as today.3

Apply in minutes.

Have funds in your account as soon as today.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.

Unsolicited customer comments

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Media coverage

"You may find the best rates on the internet. There are an increasing number of digital lenders out there, and their lack of overhead often means they can offer better terms than their brick-and-mortar counterparts... Of course, you need to do due diligence on these types and their terms; it doesn't hurt if one is affiliated with a physical institution, as LightStream is."

— Investopedia

"LightStream: New options in unsecured personal loans offer financing for almost anything, with far better rates than traditional credit cards."

— MoneyUnder 30

LightStream has "launched a special loan designed to help parents funds their child's education from pre-K through high school."

— U.S. News & World Report

"As I researched the best auto loan providers, I looked for ones that offered a wide range of loan types, quick approval, solid customer support and resources, and -- of course-- competitive interest rates. A lender such as LightStream fits the bill for those with excellent credit..."

— The Simple Dollar, "Best Auto Loans for 2016"

Why we're different

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

Unsolicited customer comments

Read more...
header header

Media coverage

"You may find the best rates on the internet. There are an increasing number of digital lenders out there, and their lack of overhead often means they can offer better terms than their brick-and-mortar counterparts... Of course, you need to do due diligence on these types and their terms; it doesn't hurt if one is affiliated with a physical institution, as LightStream is."

— Investopedia

"LightStream: New options in unsecured personal loans offer financing for almost anything, with far better rates than traditional credit cards."

— MoneyUnder 30

LightStream has "launched a special loan designed to help parents funds their child's education from pre-K through high school."

— U.S. News & World Report

"As I researched the best auto loan providers, I looked for ones that offered a wide range of loan types, quick approval, solid customer support and resources, and -- of course-- competitive interest rates. A lender such as LightStream fits the bill for those with excellent credit..."

— The Simple Dollar, "Best Auto Loans for 2016"

Lending Uncomplicated®

Only from LightStream.

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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
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