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Why LightStream?
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.

2018 LightStream Debt Consolidation Survey

Most of us will carry debt at some point.

Sixty-six percent of survey respondents say that a consolidation loan can make financial sense if you are carrying too much debt.

Consolidating debt can be a smart move.

A debt consolidation loan allows a good-credit consumer to save money with a lower interest rate; save time with one monthly payment; and boost his or her credit score with a single installment loan.

Who’s struggling most with debt? Gen Xers.

One in four Gen Xers who are currently in debt say they are not confident in the way they manage it.

LightStream makes debt consolidation simple.

With competitive rates and a fast and easy online application process, LightStream offers loan amounts from $5,000 to $100,000, and repayment terms from 24 to 84 months.* Same-day funding is available.3
This is an infographic titled Generational Debt Text: All demographic groups in the U.S. carry debt, but according to a recent LightStream survey, Gen Xers are more likely to have debt than Millennials or Boomers. 80% Gen Xers (age 36 to 51) 69% Boomers (age 52 to 70) 75% Millennials (age 20 to 35)
2018 LightStream Debt Consolidation Survey infographic

About the survey

The LightStream 2018 Debt Consolidation Survey was conducted online by The Harris Poll on behalf of LightStream from August 29-31, 2018, among 2,027 U.S. adults ages 18 and older.

The survey identified beliefs and behaviors related to debt consolidation loans. Among the findings:

  • Four in five Americans believe there are benefits to debt consolidation loans.
  • Paying off credit card debt was cited as the number-one reason for loan consolidation.
  • Of the people who have taken out a debt consolidation loan, 72 percent describe their experience as “excellent" or “good.”

Does debt consolidation make sense for you? When you have good credit, a LightStream debt consolidation loan can save you time and money, and give you the stability of a single fixed payment every month.

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 What our customers are saying about LightStream

Unsolicited customer comments

  • Comment 1 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 2 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
  • Comment 3 of 4

    Hello. I just wanted to pass along some praise. We recently acquired a loan from LightStream for the purpose of consolidating our high-interest credit card debt. We are absolutely thrilled with how quick and easy the entire process was. The communication was wonderful, as well. We got a fantastic rate and we couldn't be happier! Thank you so very much!

    — J. V. & W. V. from Edgewater Park, NJ
  • Comment 4 of 4

    We recently completed a debt consolidation loan with you and were so impressed on how quickly and less painful it was to apply and get an approval. I have been in the banking industry for 30 years so I am well educated on the hoops some institutions make you jump through to get a loan. We were so impressed that we decided to upgrade to a new car, so I applied this morning for a used vehicle loan. Incredibly, five hours later I received an email; you had two simple questions and didn't need further income documentation since you already had it on file. About 15 minutes after that call, I received the approved loan email; that's just incredible.

    — R. M. and C. M. from Wallkill, NY
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 What our customers are saying about LightStream

Unsolicited customer comments

  • Comment 1 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 2 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
  • Comment 3 of 4

    Hello. I just wanted to pass along some praise. We recently acquired a loan from LightStream for the purpose of consolidating our high-interest credit card debt. We are absolutely thrilled with how quick and easy the entire process was. The communication was wonderful, as well. We got a fantastic rate and we couldn't be happier! Thank you so very much!

    — J. V. & W. V. from Edgewater Park, NJ
  • Comment 4 of 4

    We recently completed a debt consolidation loan with you and were so impressed on how quickly and less painful it was to apply and get an approval. I have been in the banking industry for 30 years so I am well educated on the hoops some institutions make you jump through to get a loan. We were so impressed that we decided to upgrade to a new car, so I applied this morning for a used vehicle loan. Incredibly, five hours later I received an email; you had two simple questions and didn't need further income documentation since you already had it on file. About 15 minutes after that call, I received the approved loan email; that's just incredible.

    — R. M. and C. M. from Wallkill, NY
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
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