Skip to content
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.

Low rates. Great service. That's Lending Uncomplicated.®

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 will beat any qualifying rate.2

When you have good credit, you deserve a low-interest, fixed-rate loan. That’s what you’ll get with LightStream, because we back our low rates with our Rate Beat Program.

We can fund your loan as soon as the day you apply.3

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.

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.

Annual Percentage Rates (APR)

It's easy to find your rate.

Please enter an amount between {{rates.MinLoanAmountHint | currency}} and {{rates.MaxLoanAmountHint | currency}}.

Please note: Credit Card/Debt Consolidation loan amounts greater than $50,000 are only available for excellent-credit applicants.

Please enter a term between {{rates.MinTerm}} and {{rates.MaxTerm}} months

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 applicants.

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 }}%

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
Loan Amount {{row.LoanAmount.Min | lsLoanAmountMin}} to {{row.LoanAmount.Max | lsLoanAmountMax}} {{term.Min}} to {{term.Max}} months, {{ (row.Rates[$index] | rateRange:rates.PurposeOfLoan) == 'N/A' && 'rates not available for this amount.' || 'at '+(row.Rates[$index] | rateRange:rates.PurposeOfLoan) }}
{{term.Min}}-{{term.Max}} months:

Loan Terms:

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

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

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

Unsolicited customer comments

  • Comment 1 of 4

    I just wanted to let you all know how much I appreciate you giving me this loan. It has helped me consolidate my credit cards and debt and I am able to pay them down faster. You have been one of the best experiences for me with a loan and made it so easy and simple. I am a LightStream/SunTrust fan for life!

    — P.C. from Petersburg, WV
  • Comment 2 of 4

    I just want to say that I wish I had heard of LightStream earlier as it would have saved me very much. The application process was professional and very easy. I would recommend to anyone who is trying to get their finances under control. Thanks.

    — R.B. from New Albany, MS
  • Comment 3 of 4

    Just wanted to say our loan experience with you has been fantastic! The process was by far the easiest and close to the quickest loan process I have ever gone through. We had very good credit before but now it’s "exceptional" according to FICO and I think the changes we made by consolidating debt using LightStream made all the difference. I rarely write things like this but really have been amazed and thrilled with your company. It actually feels unbelievable; not sure how you all did it but somehow you designed an incredible experience and I look forward to borrowing from you again.

    — S.R. & J.R. from West Hatfield, MA
  • Comment 4 of 4

    I would just like to say thank you for making this process seamless. You allowed me every avenue to make paying off my high-balance credit cards complete. I'm so happy to be closer to my goal of being debt free and LightStream is to thank for it.

    — N. A. from Denver, CO
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

Unsolicited customer comments

  • Comment 1 of 4

    I just wanted to let you all know how much I appreciate you giving me this loan. It has helped me consolidate my credit cards and debt and I am able to pay them down faster. You have been one of the best experiences for me with a loan and made it so easy and simple. I am a LightStream/SunTrust fan for life!

    — P.C. from Petersburg, WV
  • Comment 2 of 4

    I just want to say that I wish I had heard of LightStream earlier as it would have saved me very much. The application process was professional and very easy. I would recommend to anyone who is trying to get their finances under control. Thanks.

    — R.B. from New Albany, MS
  • Comment 3 of 4

    Just wanted to say our loan experience with you has been fantastic! The process was by far the easiest and close to the quickest loan process I have ever gone through. We had very good credit before but now it’s "exceptional" according to FICO and I think the changes we made by consolidating debt using LightStream made all the difference. I rarely write things like this but really have been amazed and thrilled with your company. It actually feels unbelievable; not sure how you all did it but somehow you designed an incredible experience and I look forward to borrowing from you again.

    — S.R. & J.R. from West Hatfield, MA
  • Comment 4 of 4

    I would just like to say thank you for making this process seamless. You allowed me every avenue to make paying off my high-balance credit cards complete. I'm so happy to be closer to my goal of being debt free and LightStream is to thank for it.

    — N. A. from Denver, CO
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.

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
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