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Why LightStream?
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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
$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.

2018 LightStream Debt Consolidation Survey

Most of us will carry debt at some point.

Sixty-six percent of survey respondents say that a consolidation loan can make financial sense if you are carrying too much debt.

Consolidating debt can be a smart move.

A debt consolidation loan allows a good-credit consumer to save money with a lower interest rate; save time with one monthly payment; and boost his or her credit score with a single installment loan.

Who’s struggling most with debt? Gen Xers.

One in four Gen Xers who are currently in debt say they are not confident in the way they manage it.

LightStream makes debt consolidation simple.

With competitive rates and a fast and easy online application process, LightStream offers loan amounts from $5,000 to $100,000, and repayment terms from 24 to 84 months.* Same-day funding is available.3
This is an infographic titled Generational Debt Text: All demographic groups in the U.S. carry debt, but according to a recent LightStream survey, Gen Xers are more likely to have debt than Millennials or Boomers. 80% Gen Xers (age 36 to 51) 69% Boomers (age 52 to 70) 75% Millennials (age 20 to 35)
2018 LightStream Debt Consolidation Survey infographic

About the survey

The LightStream 2018 Debt Consolidation Survey was conducted online by The Harris Poll on behalf of LightStream from August 29-31, 2018, among 2,027 U.S. adults ages 18 and older.

The survey identified beliefs and behaviors related to debt consolidation loans. Among the findings:

  • Four in five Americans believe there are benefits to debt consolidation loans.
  • Paying off credit card debt was cited as the number-one reason for loan consolidation.
  • Of the people who have taken out a debt consolidation loan, 72 percent describe their experience as “excellent" or “good.”

Does debt consolidation make sense for you? When you have good credit, a LightStream debt consolidation loan can save you time and money, and give you the stability of a single fixed payment every month.

Visit The LightStream Blog for the complete infographic and additional details.

Annual Percentage Rates (APR)

It's easy to find your rate.

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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:
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Interest rate / APR:
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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
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{{term.Min}}-{{term.Max}} months:

Loan Terms:

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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
3

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
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