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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.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.Control 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.Take a big step towards controlling your financial future.
  • Fixed rate, simple interest fully amortizing installment loans, no fees or prepayment penalties.
  • Rates quoted with AutoPay option. Invoicing option is 0.50% points higher.
  • Loan proceeds may not be used to refinance any existing loan with LightStream.
  • Florida loans subject to 

    Florida Doc Stamp Info

    Under Florida law we are required to collect and transmit to the State of Florida, on your behalf, a documentary stamp tax. The amount of this tax, which is slightly more than .0035 times your loan amount (or just over $35 for a $10,000 loan), will be added to your loan amount if your loan request is approved and funded. Stamp tax is NOT included when determining loan interest rate.

    . The tax amount is not included in the quoted APR.
Find your rate
Our customers love us. Find out why.

Sooner or later, most of us are going to find ourselves with more debt than we really want. It could be the gradual accrual of interest on revolving debt creeping up on us. Or it might be an event involving health, divorce, illness of a pet, or caring for an elderly parent that can easily tip us from financially confident into a situation where our level of debt starts causing real anxiety. You can save money each month, if you have good credit, by consolidating multiple debt payments into a single payment at a lower interest rate. 

What is debt consolidation?

For many, a debt consolidation loan is a way to take back control. You can free yourself from revolving debt and the need to keep track of multiple balances and payment-due dates, and find relief from the stress and anxiety of paying too much interest on your debt. A debt consolidation loan allows you to: 

  • Combine multiple debt payments into a single monthly payment.

  • Pay a lower rate, and save money. 

  • Get a fixed rate, so your payment amount cannot go up. 

  • Know exactly when your debt will be paid off.

What are the benefits of a debt consolidation loan?

When you're paying too much interest on a credit card balance or personal loan, you could save thousands by lowering your interest rate. But debt consolidation is not for everyone. It’s a good idea when:

  • You have a good credit score.

  • Your cash flow can cover your debt payment.

  • You have a plan to pay off your debts, and change the habits that got you into debt in the first place.

Is debt consolidation right for me?

Consolidating your debt can help you:

  • Save money with a lower interest rate.

  • Simplify your budgeting with a single fixed payment.

  • Even pay your debt off sooner. 

When you have good credit, consolidating your existing debt can be a step toward greater control of your finances.

How can debt consolidation help me?

With LightStream, you can consolidate credit card debt, or other outstanding debt you may have, including auto loans and personal loans, emergency medical and pet care costs, home repairs and vacations. You cannot use a LightStream loan to pay off a student loan or an existing LightStream loan.

What can or can't I consolidate?

Debt consolidation is the process of combining several debt payments into one new, single loan, and it typically results in a lower interest rate and a faster payoff of your debt. Loan refinancing is getting a new loan for a single existing debt, usually to obtain a lower interest rate and / or different payment terms.

How is debt consolidation different than loan refinancing?

When you consolidate your debt with LightStream, you choose your
funding date, which could be as soon as the day you apply, so you
can pay off your debt immediately. You also choose your repayment
terms — from 24 to 84 months — so you control the pace at which
you repay your LightStream loan. 

Can a debt consolidation loan help me pay my debt off quicker?

Credit card consolidation involves combining multiple credit card debt payments into one payment, usually with a lower interest rate. 

What is credit card consolidation?

A credit card consolidation loan is a loan that allows you to pay off all of your credit card debt with just one easy payment per month.

What is a credit card consolidation loan?

While a 0% teaser rate like those offered by credit card companies is attractive in the short term, you should look carefully at what the interest rate will rise to after the introductory period. A credit card consolidation loan offers a fixed rate, so you can budget accordingly, knowing that your rate will never increase. You’ll also know exactly when you’ll be done making payments.

What about 0% introductory balance transfer offers?
Why we're different
Learn more about how LightStream loans can be used to finance:

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 27% of approved applicants applying for the lowest rate qualified for the lowest rate available based on data from 7/01/2021 to 9/30/2021. 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 .


You can fund your loan today if today is a banking business day, your application is approved, and you complete the following steps by 2:30 p.m. Eastern time: (1) review and electronically sign your loan agreement; (2) provide us with your funding preferences and relevant banking information; and (3) complete the final verification process.


LightStream will offer a rate .10 percentage points lower than the rate offered on any competing lender’s unsecured loan provided that you were approved for that lower rate (with the same loan terms offered by LightStream) no later than 2 p.m. Eastern time two business days prior to loan funding. The Rate Beat Program excludes secured or collateralized loan offers from any lender, and the competitive offer must be available to any customer with a similar credit profile. Terms are subject to change at any time. If you believe you have been approved by another lender for a lower qualifying rate, contact LightStream customer service. We will work with you to determine your Rate Beat eligibility and obtain the necessary documentation.

Business Hours (Eastern time)

Customer Service

Monday - Friday: 10 a.m. to 8 p.m. & Saturday: Noon to 4 p.m.

Saturday: Noon to 4 p.m.

Application Processing

Monday - Friday: 10 a.m. to 6 p.m.

Saturday & Sunday: 1 p.m. to 6 p.m.

Mailing Address
PO Box 117320
Atlanta, GA 30368-7320

E H L. Truist Bank is an Equal Housing Lender.
© 2021 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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