Your best loan ever, guaranteed.
Low fixed rates from Loading Rates
*AutoPay discount is only available prior to loan funding. Rates without AutoPay are 0.50% points higher. Excellent credit required for lowest rate. Rates vary by loan purpose. Payment example: Monthly payments for a $25,000 loan at 6.49% APR with a term of 3 years would result in 36 monthly payments of $766.11.
Smooth and quickI applied with Lightstream for a boat loan from my phone and was approved and had the funds in my account the next day. I now own a beautiful boat that I am really enjoying. Thanks Lightstream!Bay Area, CA
I applied with Lightstream for a boat loan from my phone and was approved and had the funds in my account the next day. I now own a beautiful boat that I am really enjoying. Thanks Lightstream!
It is all about Customer ServiceI have now used LightStream for the financing on two items. I can't believe how quick and easy the application process, closing, funding and completion of all the documents were.Navasota, TX
I have now used LightStream for the financing on two items. I can't believe how quick and easy the application process, closing, funding and completion of all the documents were.
Nice to be rewarded!It's nice to have a loan company that will reward and trust you for having good credit. The loan process was easy and safe, with great rates and no early payoff penalties. Will use them again on my next project.Lee's Summit, MO
It's nice to have a loan company that will reward and trust you for having good credit. The loan process was easy and safe, with great rates and no early payoff penalties. Will use them again on my next project.
You will receive a response shortly during business hours.
Once approved, e-sign your loan agreement and set-up your loan for funding.
Receive your funds as soon as today. 1
When you have a track record of financial responsibility, you deserve an exceptional rate and superior service. LightStream customers share these characteristics:
Several years of credit history with a variety of account types (major credit cards, installment loans, vehicle loans and mortgage debt if applicable.)
An ability to save, evidenced by: retirement/investment accounts and liquid assets - including checking and savings accounts, etc.
Stable, sufficient income and assets with the ability to repay current debt obligations in addition to any new loan with LightStream.
A good payment history with few, if any, delinquencies or other problems repaying debt obligations.
Best Personal Loan for Home Improvement NerdWallet – 2023
Best Personal Loan for Home Improvement
Best Overall Auto LenderBankrate – 2022
Best Overall Auto Lender
Best Low Interest Personal LoanThe Motley Fool Ascent – 2023
Best Low Interest Personal Loan
Best Personal Loan for Debt ConsolidationBankrate – 2022
Best Personal Loan for Debt Consolidation
Only from LightStream by Truist
*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 27% of approved applicants applying for the lowest rate qualified for the lowest rate available based on data from 10/01/2024 to 12/31/2024. 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.
Payment example: Monthly payments for a $25,000 loan at 6.49% APR with a term of 3 years would result in 36 monthly payments of $766.11.
Maximum APR for a LightStream loan is %. Loan terms range from 24 - 240 months depending on the loan type.
1You 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.