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  • Why LightStream?

    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 Guarantee. Disclosure 1 to follow.

    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. Disclosure 2 to follow.

    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.

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.

*AutoPay discount is only available prior to loan funding. Rates without AutoPay are 0.50% higher.

Take a big step towards controlling your financial future.

Ready for less interest and more savings?

When you get a LightStream debt consolidation loan, it’s a streamlined online loan process that gives you the choice of your funding date and repayment terms. It’s an easy way to start paying less interest each month — so you can start saving fast! In fact, we can approve and get funds into your account as soon as the day you apply.3

You could potentially improve your credit score.

Credit score improvement has many factors, including total debt balances, responsible use of credit — and of course, low balances. When you check those boxes, it’s possible for your score to rise, as it has for others. In a four-month period, 62% of customers who took a LightStream debt consolidation loan saw their FICO® score increase by more than 20 points.4

When you want control of your financial destiny.

Control means knowing exactly what your single monthly payment will be, and when it’s going to end. That’s the power of a low-interest, fixed-rate LightStream loan from $5,000 to $100,000. Unlike credit card payments, for example, your LightStream loan payment is never going up, so you can budget more precisely, with no surprises.

You can expect a fantastic rate.

Our rates are extremely competitive. Plus, there are no appraisals, pre-payment penalties, home-equity requirements or fees. You can be confident you’re not over-paying on interest, because we back our low rates with our Rate Beat Program.2

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.

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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.

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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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Loan Terms:

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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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