LOANS FROM $5,000 up to $100,000

NO FEES, or down payment

FUNDS can be available as soon as the SAME DAY you apply

  • 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.
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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 17% of approved applicants applying for the lowest rate qualified for the lowest rate available based on data from 01/01/2023 to 03/31/2023. 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 . Loan terms range from 24 - 144 months depending on the loan type.

1

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.


Business Hours (Eastern time)

Customer Service

Monday - Friday: 9:30 a.m. to 7 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

Banking and lending products and services are
provided by LightStream, a division of Truist Bank,
Member FDIC and Equal Housing Lender E H L.

© 2023 Truist Financial Corporation. Truist, LightStream,
and the LightStream logo are service marks of
Truist Financial Corporation.

Every time LightStream funds a loan for a customer, we plant a tree. In partnership with American Forests, we've planted more than a million so far. This has helped restore and protect fragile wildlife habitats across America. Safeguarding the environment and preserving wilderness areas is essential for our future. The team here at LightStream is proud to be doing something that will make a different for generations to come.

For every loan we plant a tree
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LightStream

 

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