See RatesSecure site · Updated July 2026
- APR range
- 7.49%–25.99%
- Loan amount
- $5K–$100K
- Min. credit score
- 695
- Funding time
- As soon as same day
Why it stands out
LightStream highlights
- Rate Beat program undercuts a competing offer by 0.10%
- No origination, late, or prepayment fees
- Loans up to $100,000 for home, auto, or almost any use
- Same-day funding available when approved before the cutoff
The verdict at a glance
Pros and cons
Pros
- Among the lowest APRs available anywhere
- $100 loan experience guarantee if you're unhappy
- Wide range of loan purposes with no restrictions
Cons
- No pre-qualification, so checking rates means a hard pull
- Reserved for borrowers with years of good credit
Our full review
Our take on LightStream
A division of Truist, LightStream targets people with strong credit and consistently undercuts competitors on APR. It skips the fees and the fine print but expects a solid financial history in return.
Advertiser disclosure: Finmatchly may earn a commission when you visit a partner. This never affects our editorial rankings. Learn more
Figures shown are illustrative editorial examples and may change. Confirm current rates, fees, and terms on LightStream’s own site before you apply.
The alternatives
How LightStream compares
Other top-rated lenders in Personal Loans. Compare the numbers side by side before you decide.
| # | Provider | Rating | APR range | Best for | |
|---|---|---|---|---|---|
| 1 | SoFi | 8.99%–29.49% | Strong-credit borrowers who want extras | See Rates | |
| 2 | Marcus by Goldman Sachs | 9.99%–24.99% | Consolidating debt without any fees | View Offer | |
| 3 | Upstart | 7.80%–35.99% | Thin or fair credit files | See Rates | |
| 4 | Best Egg | 6.99%–35.99% | Mid-tier credit and secured options | View Offer |
- SoFi4.9Best for Strong-credit borrowers who want extras
- Marcus by Goldman Sachs4.6Best for Consolidating debt without any fees
- Upstart4.4Best for Thin or fair credit files
- Best Egg4.3Best for Mid-tier credit and secured options