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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.

* The APR listed is for an unsecured medical or adoption expenses 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.

Low rates. Great service. That's Lending Uncomplicated.®

Finance any medical expenses, at a low interest rate.

When you have good credit, you deserve a low-interest, fixed-rate loan. You can be confident that’s what you’ll get with LightStream, because we back our low rates with our Rate Beat Program.2

No down payment, no fees, no home equity requirements.

The unsecured LightStream loan has no fees or prepayment penalties. There are also no appraisals or home equity requirements.

Straightforward and private.

Getting a loan should be a no-hassle experience. That’s how we’ve designed it: the easy and convenient way to fund practically any medical expense.

Experience the refreshingly simple LightStream loan.

Check your rate, then apply from your smart phone, tablet or computer, and get a low rate on our virtually paperless loan, from $5,000 to $100,000.

Annual Percentage Rates (APR)

It's easy to find your rate.

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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:

Apply

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

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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