LightStream | Loans for Practically Anything

Loans
- Home Improvement
  - Kitchen & Bath Remodel
  - Landscaping
  - Solar
  - Swimming Pool
  - Other Home Improvement
- Auto
  - Auto Refinance
  - Classic Car
  - New Car
  - Used Car
- Debt Consolidation
  - Credit / Debt Consolidation
- Recreation
  - Aircraft
  - Boat
  - Destination Club
  - Timeshare
  - Motorcycle
  - RV / Trailer
- Family Life
  - Adoption
  - Education (Pre K-12 Only)
  - Fertility
  - Medical
  - Wedding
- Anything Else
  - Aircraft Loans / Refinancing
  - Horse
  - Medical / Dental
  - Other
About

*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.

What do you want to fund?

Our customers love us. Find out why.

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Smooth and quick
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!
Bay Area, CA

It is all about Customer Service
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.
Navasota, TX

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

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It's easy to find your rate

Loan Purpose

Loan Amount

Apply in minutes. Have funds in your account as soon as today.

Apply online

You will receive a response shortly during business hours.

Accept loan agreement

Once approved, e-sign your loan agreement and set-up your loan for funding.

That's it! Use your loan

Receive your funds as soon as today. ¹

Finally, a loan that rewards your good credit.

When you have a track record of financial responsibility, you deserve an exceptional rate and superior service. LightStream customers share these characteristics:

Credit history

Several years of credit history with a variety of account types (major credit cards, installment loans, vehicle loans and mortgage debt if applicable.)

Assets

An ability to save, evidenced by: retirement/investment accounts and liquid assets - including checking and savings accounts, etc.

Income vs Debt

Stable, sufficient income and assets with the ability to repay current debt obligations in addition to any new loan with LightStream.

Payment history

A good payment history with few, if any, delinquencies or other problems repaying debt obligations.

LightStream only approves good-to-excellent credit profiles.

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The LightStream experience

Unsolicited customer comments

You are simply awesome and easy to deal with. Thank you so very much for making a dream come true.
D. C., Coupeville, WA
You guys are great....Thank you for a straightforward loan process. I really appreciate it.
P. G., Chesapeake, VA
This is by far the best online loan experience I have ever had. Your site is easy to understand and navigate, the loan application process was flawless.
E. K., Harper's Ferry, WV
This has been one of the most amazing loan experiences I've ever had, thank you so much.
C. W., Forsyth, MO

Recent honors

Best Personal Loan for Home Improvement
NerdWallet – 2023
Best Overall Auto Lender
Bankrate – 2022
Best Low Interest Personal Loan
The Motley Fool Ascent – 2023
Best Personal Loan for Debt Consolidation
Bankrate – 2022

Lending Uncomplicated

Only from LightStream by Truist

Get started

Learn more about how LightStream loans can be used to finance:

^*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 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.

Lending Uncomplicated^®