After receiving your loan from us, if you are not completely satisfied with your experience, please contact us. We will email you a questionnaire so we can improve our services. When we receive your completed questionnaire, we will send you $100. Our guarantee expires 30 days after you receive your loan.
We reserve the right to change or discontinue our guarantee at any time. Limited to one $100 payment per funded loan. LightStream and SunTrust teammates do not qualify for the Loan Experience Guarantee.
* The APR listed4.99% APR is for an unsecured credit card/debt consolidation loan between $10,000 and $24,999 with a term between 24 and 36 months, for applicants with excellent credit.
Your APR may differ based on loan purpose, amount, term, and your credit profile. Rate is quoted with AutoPay discount, which is only available when you select AutoPay prior to loan funding.
Rates under the invoicing option are 0.50% higher.
Subject to credit approval.
Conditions and limitations apply. Advertised rates and terms are subject to change without notice.
Excellent credit required for lowest rate.
Competitive fixed-rates with flexible terms and no fees or prepayment penalties.
So far quite impressed. Easiest loan I've ever had to deal with. Like the fact that I can easily make an extra payment without much hassle. Shocked at how quick and simple it was to apply for a loan and receive my proceeds.
If you’ve got good to excellent credit, you’ve earned a great rate on a credit card or debt consolidation loan from LightStream. Refinance your debt to save money now — fast and with no hassle.
Really low rates: Starting as low as * APR with AutoPay, with no fees, and loan amounts from to .
Same-day funding available: At LightStream, we pair great rates with a simple online loan application that takes minutes to complete, and often provides approved borrowers with money deposited directly into their bank account as soon as the same day they apply.†
Your satisfaction is guaranteed: Our simple application takes just minutes to complete. We respond to customers quickly during business hours, provide a paperless online process, and back our service with our exclusive $100 Loan Experience Guarantee.
Annual Percentage Rates (APR)
Learn more about how LightStream loans can be used to finance:
At LightStream, we care about the environment and, more importantly, we try to do something about it. For one, we have created a 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.
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