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*AutoPay discount is only available prior to loan funding. Rates without AutoPay are 0.50% points higher. Excellent credit required for lowest rate. Rates range from 6.49% – 20.19% APR w/ AutoPay. Payment example: Monthly payments for a $10,000 loan at 6.49% APR with a term of 3 years would result in 36 monthly payments of $306.44.
The unsecured LightStream loan has no fees or prepayment penalties. There are also no appraisals or home equity requirements.
Some lenders require you to send ‘progress’ photos before funds are dispersed. Not LightStream; we deposit funds directly into your account. Because you’re more empowered when you can pay your contractors on your schedule, not your lender’s.
You’re in control of the loan process with LightStream. You choose your funding date, and you can even have funds deposited into your account as soon as the same day you apply.
Check your rate, then apply from your smartphone, tablet or computer, and get a low rate on our virtually paperless loan, from $5,000 to $100,000.
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
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 $10,000 loan at 6.49% APR with a term of 3 years would result in 36 monthly payments of $306.44.
Maximum APR for a LightStream loan is 25.79%. 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.