Your best loan experience guaranteed
or $100 is yours!

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.

Enjoy low rates, privacy, and no fees with a LightStream loan.

Finance your cosmetic, bariatric, dental or other elective surgery, fertility treatment, or any other medical expenses.

Medical financing for the entire treatment process

Competitive rates with flexible terms and no fees or prepayment penalties.

Financing from $5,000 to $100,000

Enjoy a virtually paperless process – apply online, eSign your loan documents, and funds are directly deposited into your account.

Online loan process - from application to loan funding

You can finance practically anything with a LightStream loan, including medical procedures, and other health, beauty and wellness costs. Our loan process is straightforward, transparent and completely private.

  • Interest rate matters: When you have good to excellent credit, you can pay for medical procedures and treatments with a LightStream fixed-interest rate as low as * APR with AutoPay. Choose you loan amount, 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: If you want a fast and easy loan at a low interest rate, try LightStream. We're so confident that you'll have your best loan experience ever, we offer an exclusive Loan Experience Guarantee.

Annual Percentage Rates (APR)

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Rates quoted with Premier Banking Discount

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Affordable Home Improvement Program loans cannot exceed $10,000.00.

Loan Terms:

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.

For every loan we plant a tree
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