Learn more about payment relief options and how we're responding to the coronavirus (COVID-19). Click here.
We’re all in this together, and we’re here to help.

LightStream's response to coronavirus

During this uncertain time related to the COVID-19 pandemic, we want to assure you LightStream remains open and ready to serve you. LightStream and Truist are taking many of the steps and precautions other businesses are implementing to protect the health and well-being of our teammates, clients and the communities we serve. We will continue to closely monitor this rapidly evolving situation and stay in close contact with the Centers for Disease Control and Prevention (CDC) and the World Health Organization.
While we are operating with an abundance of care, we are fully operational and available to serve you. As we adapt to operational practices that protect clients and teammates, thank you for your patience if you experience a momentary service delay.
For more information about what Truist is doing to help clients, teammates and the communities we serve, please visit the Truist Coronavirus Information page.

Customer service

The safety of our team is very important to us, and we’ve transitioned to a work-from-home environment to better protect them and their families. Please bear with us if you hear children or pets in the background while our representatives assist you on the call.

If you're facing financial hardship due to an interruption in your income, we can defer your monthly payment. With the increased need for support from our clients, call wait times may be longer than usual. We apologize for any inconvenience and urge you to review our payment deferral FAQs prior to contacting us.

How can I request a payment deferral?

To request a deferral, please sign in to your account and visit the Account Services page to begin the process. If you have multiple accounts, please ensure you sign in to each account separately and repeat the process.
This option will not be available if you have already requested a deferral for the same payment period, your account is 90 days or more past due, you have reached the maximum six deferred payments, or your account is set to AutoPay and your due date is within two business days. If any of those apply, please call us at the number noted on your account page to hear your options.

Will payment deferral negatively affect my credit score?

Payment deferral will not negatively affect your credit score, but is reported to credit agencies as a deferment and affected by natural disaster.

Does my deferred payment extend the loan terms or add to my final payment?

Any deferred payments will be added to your final payment amount and interest will continue to accrue, potentially resulting in additional interest paid over the life of your loan. However, you can make additional payments or increase your monthly payment amount throughout the life of the loan to avoid a larger payment at the end of your loan term.
View our complete payment deferral FAQs  for more information to help you in the current situation.
If you need to discuss your loan or an application, please email us during business hours at customerservice@lightstream.com.
Business Hours (Eastern time)
Customer Service Monday - Friday: 9 a.m. to 8 p.m. & Saturday: Noon to 4 p.m.
Application Processing Monday - Friday: 9 a.m. to 8 p.m. Saturday & Sunday: Noon to 6 p.m.


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 

Lightstream received the highest score in the personal loan segment of the J.D. Power 2020 U.S. Consumer Lending Satisfaction Study of customers’ satisfaction with their lending company. Visit jdpower.com/awards.

Business Hours (Eastern time)

Customer Service

Monday - Friday: 9 a.m. to 8 p.m. & Saturday: Noon to 4 p.m.

Saturday: Noon to 7 p.m.

Application Processing

Monday - Friday: 9 a.m. to 8 p.m.

Saturday & Sunday: Noon to 6 p.m.

Mailing Address
PO Box 117320
Atlanta, GA 30368-7320

E H L. Truist Bank is an Equal Housing Lender.
© 2020 Truist Financial Corporation. SunTrust, Truist, LightStream, the LightStream logo,
and the SunTrust logo are service marks of Truist Financial Corporation.
All other trademarks are the property of their respective owners. 
Lending services provided by Truist Bank.


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