Ready for less interest and more savings?When you get a LightStream debt consolidation loan, it's a streamlined online loan process that gives you the choice of your funding date and repayment terms. It's an easy way to start paying less interest each month - so you can start saving fast! In fact, we can approve and get funds into your account as soon as the day you apply. You can expect a fantastic rate.Our rates are extremely competitive. Plus there are no appraisals, prepayment penalties, home equity requirements or fees. You can be confident you're not overpaying on interest because we back our low rates with our Rate Beat Program.Control your financial destiny.Control means knowing exactly what your single monthly payment will be and when it's going to end. That's the power of a low interest fixed rate LightStream loan from $5,000 to $100,000. Unlike credit card payments, for example, your LightStream loan payment is never going up so you can budget more precisely with no surprises.Take a big step towards controlling your financial future.
Apply onlineReceive your funds as soon as today.Accept loan agreementThat's it! Use your loanYou will receive a response shortly during business hours.Once approved, e-sign your loan agreement and set-up your loan for funding.Apply in minutes. Have funds in your account as soon as today.
Credit historySeveral years of credit history with a variety of account types (major credit cards, installment loans, vehicle loans and mortgage debt if applicable.)AssetsAn ability to save, evidenced by: retirement/investment accounts and liquid assets - including checking and savings accounts, etc.Income vs DebtStable, sufficient income and assets with the ability to repay current debt obligations in addition to any new loan with LightStream.Payment historyA good payment history with few, if any, delinquencies or other problems repaying debt obligations.
Finally, a loan that rewards your good credit.When you have a track record of financial responsibility, you deserve an exceptional rate and superior service. LightStream customers share these characteristics:
LightStream only approves good-to-excellent credit profiles.
Our customers love us. Find out why.
Only from LightStream.Viewing your rate does not affect your credit score.Lending Uncomplicated®
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 22% of approved applicants applying for the lowest rate qualified for the lowest rate available based on data from 07/01/2023 to 09/30/2023. 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.
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.
LightStream will offer a rate .10 percentage points lower than the rate offered on any competing lender’s unsecured loan provided that you were approved for that lower rate (with the same loan terms offered by LightStream) no later than 2 p.m. Eastern time two business days prior to loan funding. The Rate Beat Program excludes secured or collateralized loan offers from any lender, and the competitive offer must be available to any customer with a similar credit profile. Terms are subject to change at any time. If you believe you have been approved by another lender for a lower qualifying rate, log in to your account and click on “Submit Rate Beat Request” to review your Rate Beat eligibility and upload the required documentation.
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