Annual Percentage Rates (APR)

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For Rates, Select Loan Purpose

Loan Amount

Please enter an amount between {{rates.MinLoanAmountHint | currency}} and {{rates.MaxLoanAmountHint | currency}}.

Please note: Credit Card/Debt Consolidation loan amounts greater than $50,000 are only available for excellent-credit applicants.

Loan Term (months)^*

Please enter a term between {{rates.MinTerm}} and {{rates.MaxTerm}} months

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.

Payment Method

Monthly Payment:
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Interest rate / APR:
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Rates quoted with Premier Banking Discount

(Exact rate within this range is determined by credit profile)

Annual Percentage Rates (APR)

Loan Term (months) ^*
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Loan Terms:

The LightStream experience

Why we're different

With LightStream you know you'll get a great rate, and the best loan process you've ever experienced – guaranteed.

What our customers are saying about LightStream

Unsolicited customer comments

Just wanted to pass along that it is a pleasure working with you to get a loan for my home improvement. Fast and convenient. Excellent service with quick response. Funds in my account in 3 days! Thank you.

— K.G. & G.G. from Cape Coral, FL

Thank you so much for our loan! The process was easy and fast! Will definitely recommend to anyone who asks me where they can get a loan! My roof will be fixed and I won’t worry anymore when it rains!

— R.F. & J.F. from Perris, CA

Hands down this is THE coolest thing I have ever seen! Not only was your loan process the simplest and quickest I have ever done, but your customer service has been exceptional! I had never even heard of your company until I was investigating home improvement loans, but I have told everyone I know what a remarkable experience I have had! Thank you LightStream!

— J. H. & C.H. from Mogadore, OH

Thank you so much. The process was amazingly easy!!!! Again. Thanks for the loot. My new roof looks amazing!!!

— D.P. from Fort Lauderdale, FL

Media coverage

“LightStream, an offshoot of SunTrust Bank, offers excellent rates for creditworthy borrowers for non-home and auto-related personal loans... There are no fees for loan origination, prepayment, or anything else… flexible terms and high borrowing limits make it a good choice… [LightStream is] also speedier than peer-to-peer competitors — you can have your money in as little as a day.”

— The Simple Dollar, "Best Online Personal Loan Companies for 2018"

“Good for: borrowers with good credit looking for a no-hassle loan from a well-known bank… LightStream is tailored to customers with strong credentials — even promising to beat some competitors’ rates to get those customers.”

— NerdWallet, "LightStream Auto Loans: 2018 Review"

“LightStream is a great choice for people with excellent credit. It is actually part of a bank you might have heard of, SunTrust Bank. They were recently set up to offer some of the best personal loan rates available, and they are delivering.”

— Magnify Money, "Where to Get The Best Personal Loan Rates Online"

“… recognized based solely on surveys about the workplace completed by their employees. Top Workplaces are not only better places to work but are more likely to be successful than peer organizations.”

— San Diego Union Tribune, "2017 Top Workplaces"