Finance practically anything, at a low interest rate.When you have good credit, you deserve a low-interest, fixed-rate loan. You can be confident that's what you'll get with LightStream because we back our low rates with our Rate Beat Program.Experience the refreshingly simple LightStream loan.Check your rate, then apply from your smartphone, tablet or computer, and get a low rate on our virtually paperless loan, from $5,000 to $100,000.We can fund your loan as soon as the day you apply. You're in control of the loan process with LightStream. You choose your funding date, and you can even have funds deposited into your account as soon as the same day you apply. No collateral, no fees, no home equity requirements.The unsecured LightStream loan has no fees or prepayment penalties. There are also no appraisals or home equity requirements.Low rates. Great service. That's Lending Uncomplicated.®
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 11% of approved applicants applying for the lowest rate qualified for the lowest rate available based on data from 10/01/2022 to 12/31/2022. 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.
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.
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.
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