CREDIT CARD CONSOLIDATION LOANS
Radio and podcast listeners save with discount.If you have good credit and like to save money, this will be music to your ears: Radio and podcast listeners get an exclusive .10% APR discount off LightStream’s already low interest rates.
We can fund your loan as soon as the day you apply.You’re in control of the loan process with LightStream. You choose your funding date, and you can even have funds deposited into your account as soon as the same day you apply.
Lower your interest rate and save.When you have good credit, you deserve a low-interest, fixed-rate loan. You can be confident that’s what you’ll get with LightStream, because we back our low rates with our Rate Beat Program.No fees. Seriously, no fees at all.Many lenders have application, origination, payment or transaction fees, and prepayment penalties that add to your costs. Not LightStream. We have no fees.Low rates. Great service. That's Lending Uncomplicated.®
Find your rate
- Fixed rate, simple interest fully amortizing installment loans, no fees or prepayment penalties.
- Rates quoted with AutoPay option. Invoicing option is 0.50% points higher.
- 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.
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.
The LightStream experience
Learn more about how LightStream loans can be used to finance:
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 27% of approved applicants applying for the lowest rate qualified for the lowest rate available based on data from 7/01/2021 to 9/30/2021. 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 .
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.
LightStream will offer a rate .10 percentage points lower than the rate offered on any competing lender’s unsecured loan provided that you were approved for that lower rate (with the same loan terms offered by LightStream) no later than 2 p.m. Eastern time two business days prior to loan funding. The Rate Beat Program excludes secured or collateralized loan offers from any lender, and the competitive offer must be available to any customer with a similar credit profile. Terms are subject to change at any time. If you believe you have been approved by another lender for a lower qualifying rate, contact LightStream customer service. We will work with you to determine your Rate Beat eligibility and obtain the necessary documentation.