LightStream Review
A division of Truist Bank, LightStream offers the lowest APRs in the industry for excellent-credit borrowers with a unique Rate Beat Program.
APR Range
7.49% – 25.49%
Loan Amount
$5,000 – $100,000
Min. Credit
700
Funding Speed
Same day (with bank account verification)
LightStream Personal Loan Review
LightStream (a division of Truist, formerly SunTrust) consistently offers some of the lowest personal loan rates available. Their Rate Beat Program promises to beat any qualifying rate from another lender by 0.10%. There are absolutely no fees — no origination, no late, no prepayment penalties. The catch is you need excellent credit to qualify, and there's no pre-qualification option — applying triggers a hard credit pull.
Best For
Excellent credit borrowers wanting the absolute lowest rates
Pros
- Industry-leading low rates
- Rate Beat Program — they'll beat competitor rates by 0.10%
- No fees of any kind
- Loans up to $100,000
- Loan Experience Guarantee (satisfaction guarantee)
Cons
- No pre-qualification — hard pull required to see rates
- Requires excellent credit (usually 700+)
- No co-signer option
- Must fund entire loan at once (no partial draws)
Loan Details
| APR Range | 7.49% – 25.49% |
| Loan Amounts | $5,000 – $100,000 |
| Repayment Terms | 24 – 144 months |
| Minimum Credit Score | 700 |
| Funding Speed | Same day (with bank account verification) |
| Fees | No origination fee. No late fee. No prepayment penalty. |
Key Features
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Compare Other Lenders
| Lender | APR Range | Loan Amount | Min. Score | Funding | Rating | |
|---|---|---|---|---|---|---|
| SoFi Borrowers with good credit who want zero fees | 8.99% – 25.81% | $5,000 – $100,000 | 680 | Same day to a few days | Check Rate | |
| Upgrade Fair-credit borrowers who want flexibility and joint applications | 9.99% – 35.99% | $1,000 – $50,000 | 580 | 1 – 5 business days | Check Rate | |
| Best Egg Good-credit borrowers who need fast funding | 8.99% – 35.99% | $2,000 – $50,000 | 640 | Same day to next business day | Check Rate | |
| Avant Borrowers with average credit (580–700) who need fast funding | 9.95% – 35.99% | $2,000 – $35,000 | 580 | Next business day | Check Rate | |
| Marcus by Goldman Sachs Good-credit borrowers who want zero fees and payment flexibility | 8.99% – 25.99% | $3,500 – $40,000 | 660 | 1 – 4 business days | Check Rate |
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LightStream at a Glance
- Rating
- APR
- 7.49% – 25.49%
- Amount
- $5,000 – $100,000
- Min. Score
- 700
- Funding
- Same day (with bank account verification)