After entering some personal information, you’ll be presented with loan options. NerdWallet strives to keep its information accurate and up to date. Does not offer direct payment to creditors with debt consolidation loans. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. LightStream offers flexible loan terms and is a direct lender backed by SunTrust Bank, which is a strong company. Multiple account types within your credit history, like credit cards, a car loan or other installment loan and a mortgage. Special home improvement features: Borrowers with good or excellent credit looking to finance a home improvement project may qualify for extended loan terms up to 12 years, with no appraisals or home equity requirements. LightStream, the online lending arm of Truist Bank, offers personal loans that can be used for almost any purpose, including debt consolidation, home improvement, auto or boat purchase and medical costs. Instead, borrowers have to keep track of their own repayments. The offers that appear on this site are from companies that compensate us. You must contact the company and fill out a questionnaire to receive the $100. LightStream Personal Loan Terms, Rates, and Fees Loan amounts: $5,000-100,000 APR range: 3.49-20.49%, LightStream only offers fixed interest rates Origination fee: None Minimum credit score: 660 Time to funding: as soon as same day Co-borrower needed: No LightStream Personal Loans: Overall Rating LightStream loan reviews … You can fill out an application on LightStream’s website. Pre-qualifying will not impact your credit. All Rights Reserved. At LightStream, loan amounts range from $5,000 to $100,000, and can be repaid in a span of 24 months to 12 years, depending on the loan amount and purpose. LightStream Review LightStream has some of the best personal loans around, combining the ability to borrow large amounts for long periods of time with remarkably low interest rates, no fees and fast approval. Instead, borrowers have to keep track of their own repayments. LightStream offers consumer-friendly features and large enough loans to cover big expenses like home improvement projects. Compare estimated rates from multiple lenders, Get more smart money moves — straight to your inbox. All reviews are prepared by Bankrate.com staff. Get personal loan offers from LightStream and other great lenders. What stands out in our LightStream loan reviews is the fact that you finance practically anything — with a few exceptions, of course. LightStream believe that customers who have built up an excellent credit score deserve to have access to easy loans at low rates. Property and Casualty insurance services offered through NerdWallet Insurance Services, Inc.: Licenses, NerdWallet Compare, Inc. NMLS ID# 1617539, NMLS Consumer AccessLicenses and Disclosures, California: California Finance Lender loans arranged pursuant to Department of Financial Protection and Innovation Finance Lenders License #60DBO-74812, Many or all of the products featured here are from our partners who compensate us. Zero application fees. The key feature of LightStream's online personal loans is that they can be up to $100,000 and used for nearly any reason. The typical LightStream customer has a minimum FICO score of 660. Loan documents sent in mail. LightStream’s website doesn’t provide a phone number, but you can email your questions and a representative will respond during business hours. All financial products, shopping products and services are presented without warranty. LightStream auto loan cons Good … Pre-qualification available only through partners. Loan terms and fees may vary by state. … LightStream offers fixed-rate personal loans ranging from $5,000 to $100,000, depending on the loan purpose, which include debt consolidation, weddings, medical bills, family planning, home improvement and more.
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