Your best loan experience guaranteed or $100 is yours!

We guarantee
you a better experience.

After receiving your loan from us, if you are not completely satisfied with your experience, please contact us at (866) 635-1330. We will email you a questionnaire so we can improve our services. When we receive your completed questionnaire, we will send you $100.

Our guarantee expires 30 days after you receive your loan. We reserve the right to change or discontinue our guarantee at any time. Limited to one $100 payment per funded loan.

A welcome alternative for PreK-12 education financing.

Competitive rates with flexible terms and no fees or prepayment penalties.×

Loans from $5,000 to $100,000

The AnythingLoan offers a low, fixed-rate education loan alternative, free of fees and prepayment penalties.×

Finance all facets of your child's PreK-12 education

How it works...

Business hours are Monday through Friday: 9:00 AM – 8:00 PM Eastern time, Saturday: 12:00 PM to 3:00 Eastern time.×

Response in minutes during business hours

The Five Key Components of a PreK-12 Education Loan
When it comes to financing your child’s private PreK-12 education, there’s a lot for you to consider. What type of interest rate am I willing to pay? How much will I need to cover the costs? Is a home-equity loan a better option? We’ve outlined the five key components of private education loans for good to excellent credit customers.

Affordability: Private school is expensive enough. Don’t add to the costs by settling for a loan with an interest rate that reminds you of a credit card. Make finding an affordable loan the priority. LightStream offers low-interest PreK-12 loans with fixed rates starting at only * APR with AutoPay on loan amounts ranging from to .

Choice: At LightStream, we firmly believe your lender should have no say in where you send your child to school. So if your lender has any restriction whatsoever with regard to where or how you spend the funds from your PreK-12 loan, look elsewhere. At LightStream, you’ll find no such restrictions. Our loan is aptly named the AnythingLoan because you can use it to finance or refinance almost anything. Where and how you spend loan funds is up to you.

Top-flight Customer Experience: It’s our belief that borrowers with solid credit should be entitled to simple private education financing. No tricks, no hurdles, just a straightforward experience. That’s what you’ll get with LightStream. Complete your online application during business hours and you’ll get a response within minutes. If your application is approved, we can often deposit funds into the bank account of your choosing the very same day your loan application was initiated. We’re so confident you’ll be pleased with the experience that we back it up with a $100 Loan Experience Guarantee.

Freedom from Liens: LightStream's PreK-12 loans are unsecured, which means there are no collateral requirements, thus no time-consuming processes or paperwork. And there are no down payment requirements, prepayment penalties, or LightStream fees of any kind.

Paperless: Your child’s homework will give you all the paperwork you need. Your loan shouldn’t add to it. That’s why LightStream’s designed a nearly paperless, online loan. Simply fill out a brief online application. If approved, you can even sign your loan documents electronically. And just to show how serious we are about this whole saving paper thing, we plant a tree for every loan we fund.

College Education Loans from SunTrust

While college education loans are not available through LightStream, SunTrust Bank offers several programs and solutions for financing college. Visit SunTrust Education for more information and to apply today!

Current Annual Percentage Rates (APR)


Loan Term (Months) *
Loan Amount {{term.Min}} - {{term.Max}}
${{row.LoanAmount.Min | number}} to
${{row.LoanAmount.Max | number}}

Loan Terms:

Loan Calculator

Zip code not found. Please enter your state of residence.

A Florida documentary stamp tax, in the amount of {{FloridaDocStampTax | currency }} will be added to your loan amount then transmitted for payment on your behalf

Please enter an amount greater than
or equal to {{rates.MinLoanAmount | currency}}

Please enter an amount less than
or equal to {{rates.MaxLoanAmount | currency}}

Please enter a term greater than
or equal to {{rates.MinTerm}}

Please enter a term less than
or equal to {{rates.MaxTerm}}

Monthly Payment:
{{rates.EstimatedMonthlyPayment.Min | currency }} to {{rates.EstimatedMonthlyPayment.Max | currency }}

Interest rate / APR:
{{rates.Rate.Min * 100 | number:2 }}% to {{rates.Rate.Max * 100 | number:2 }}%

*with these terms

Learn more about how the LightStream AnythingLoan 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 paperless consumer loan experience with our AnythingLoan. By eliminating paper almost entirely from the AnythingLoan 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.

We Plant a tree with EVERY LOAN

You Are Leaving LightStream.com

By clicking Continue, you will be taken to a third-party Web site which is not affiliated with LightStream, a division of SunTrust Bank. The privacy policy, level of security or accessibility standards may differ from ours. We encourage you to review the privacy policy and security offered on the third-party site prior to providing any personal information. LightStream is not responsible for and does not endorse, guarantee or monitor content, availability, viewpoints, partners, advertisers, products or services that are offered or expressed on third-party Web sites. You can click the Return to LightStream.com button now to return to the previous page or you can use the Back button on your browser after you leave.
Continue Return to LightStream.com