LightStream

Item: LightStream
Rating: 4.9
Author: MoneySaverCodes

4.9

LightStream is the online lending division of Truist Bank, offering personal loans with no fees and some of the lowest APRs in the market. It serves borrowers with good to excellent credit for purposes ranging from home improvement to debt consolidation.

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Provider Overview

Headquarters: Charlotte, North Carolina
Founded: 2013
Official Website: www.lightstream.com
4.9 Our Rating: 4.9

Best for

Borrowers with excellent credit seeking the lowest personal loan APR

Pros & Cons

Pros

No origination, prepayment, or late fees
Competitive low APRs for good-credit borrowers
Same-day funding available
Loan amounts up to $100,000

Cons

Requires good to excellent credit — typically 660+ FICO
No pre-qualification without hard credit pull in some cases

Products & Coverage Areas

Personal Loans→

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