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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.

*AutoPay discount is only available prior to loan funding. Rates without AutoPay are 0.50% higher.

Surveyed Americans are embracing new attitudes toward debt.4

Most of us are impacted by the stigma around debt.

Our recent survey conducted by Wakefield Research showed nearly three in four Americans find an unfair stigma associated with debt, even when it’s responsibly managed.

More than 70% of those surveyed believe that taking on debt purposefully can help meet life’s challenges.

Rather than a negative, using debt smartly as a financial tool can be a thoughtful and values-driven decision.

Managing debt is just as important as why you incur it.

28% of Americans with good credit carry an average of $19,833 in debt. Credit cards are a popular payment solution but people often overlook a debt consolidation loan as an efficient way to save money.

Debt consolidation saves two valuable assets —
money and time.

Almost 20% of surveyed Americans mistakenly think getting a debt consolidation loan takes months. LightStream can deliver funds at low, fixed interest rates as soon as the day you apply.3 It’s easy to pay off your expensive debt and start saving money now.
Infographic titled Weighing the Costs Text: Weighing the costs of $19,833 repayment over 36 months LightStream debt consolidation loan: $1,872 in interest charges4 Credit card debt: $6,785 in interest charges5 Total interest payment savings with LightStream: $4,913
Infographic weighing the costs of credit card debt versus a LightStream debt consolidation loan


Why use a debt consolidation loan from LightStream?


  • Save money on credit card interest rates: Instead of paying off variable-rate credit card debt with high-interest payments, you can settle into a predictable fixed-rate, monthly repayment plan, at a lower interest rate and with no fees.
  • Pay off high-interest financing from other purchases: Financing obtained from other lenders or for specialty purposes often comes with high interest rates. Have you made store purchases with costly “buy now, pay later” financing? Did you sign up for a timeshare using seller funding? Have you taken out expensive loans from other lenders?
  • Simplify payments: Consolidating debts into one loan payment makes it easier to manage expenses and facilitate transactions.
  • Boost your credit score: Resolving debt quickly with a debt consolidation loan enables you to pay down current balances and create a singular payment channel, decreasing the chances of missed payments and increased rates — which can help you maintain a strong credit profile.

Ready to manage your purposeful debt? If so, a LightStream debt consolidation loan has fixed rates, flexible terms, no fees and a Loan Experience Guarantee, so you can have peace of mind for your financial future.

Visit The LightStream Blog for the complete infographic and additional details.

Annual Percentage Rates (APR)

It's easy to find your rate.

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

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.

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)

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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{{term.Min}}-{{term.Max}} months:

Loan Terms:

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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

  • Comment 1 of 4

    I just wanted to let you all know how much I appreciate you giving me this loan. It has helped me consolidate my credit cards and debt and I am able to pay them down faster. You have been one of the best experiences for me with a loan and made it so easy and simple. I am a LightStream/SunTrust fan for life!

    — P.C. from Petersburg, WV
  • Comment 2 of 4

    I just want to say that I wish I had heard of LightStream earlier as it would have saved me very much. The application process was professional and very easy. I would recommend to anyone who is trying to get their finances under control. Thanks.

    — R.B. from New Albany, MS
  • Comment 3 of 4

    Just wanted to say our loan experience with you has been fantastic! The process was by far the easiest and close to the quickest loan process I have ever gone through. We had very good credit before but now it’s "exceptional" according to FICO and I think the changes we made by consolidating debt using LightStream made all the difference. I rarely write things like this but really have been amazed and thrilled with your company. It actually feels unbelievable; not sure how you all did it but somehow you designed an incredible experience and I look forward to borrowing from you again.

    — S.R. & J.R. from West Hatfield, MA
  • Comment 4 of 4

    I would just like to say thank you for making this process seamless. You allowed me every avenue to make paying off my high-balance credit cards complete. I'm so happy to be closer to my goal of being debt free and LightStream is to thank for it.

    — N. A. from Denver, CO
Read more...
LightStream in the news LightStream in the news

Media coverage

  • Comment 1 of 4

    “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"
  • Comment 2 of 4

    “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"
  • Comment 3 of 4

    “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"
  • Comment 4 of 4

    “… 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"

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

  • Comment 1 of 4

    I just wanted to let you all know how much I appreciate you giving me this loan. It has helped me consolidate my credit cards and debt and I am able to pay them down faster. You have been one of the best experiences for me with a loan and made it so easy and simple. I am a LightStream/SunTrust fan for life!

    — P.C. from Petersburg, WV
  • Comment 2 of 4

    I just want to say that I wish I had heard of LightStream earlier as it would have saved me very much. The application process was professional and very easy. I would recommend to anyone who is trying to get their finances under control. Thanks.

    — R.B. from New Albany, MS
  • Comment 3 of 4

    Just wanted to say our loan experience with you has been fantastic! The process was by far the easiest and close to the quickest loan process I have ever gone through. We had very good credit before but now it’s "exceptional" according to FICO and I think the changes we made by consolidating debt using LightStream made all the difference. I rarely write things like this but really have been amazed and thrilled with your company. It actually feels unbelievable; not sure how you all did it but somehow you designed an incredible experience and I look forward to borrowing from you again.

    — S.R. & J.R. from West Hatfield, MA
  • Comment 4 of 4

    I would just like to say thank you for making this process seamless. You allowed me every avenue to make paying off my high-balance credit cards complete. I'm so happy to be closer to my goal of being debt free and LightStream is to thank for it.

    — N. A. from Denver, CO
Read more...
LightStream in the news LightStream in the news

Media coverage

  • Comment 1 of 4

    “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"
  • Comment 2 of 4

    “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"
  • Comment 3 of 4

    “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"
  • Comment 4 of 4

    “… 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"

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
LightStream
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