Affiliate Program | LightStream

Grow your business and earn commissions with LightStream’s Affiliate Program

Easy, hands-off customer financing, at no cost to you. Your customers get low rates, high loan amounts and quick funding. You get more time to focus on what you do best. Leave the lending process to us — and earn a commission on every funded loan that you refer.

Do you meet these requirements?

LightStream’s affiliate program is currently invite-only.

This is a link-based referral program only, not a broker or an indirect dealer program. Affiliates cannot act as brokers, or input any customer data into the application.

Primary messaging and site offerings should not target lower-credit consumers, as LightStream serves the needs of consumers with good to excellent credit.

Must have a completed website that has been established for at least six months. All websites that will list LightStream must be submitted for review prior to having links added.

How LightStream’s Affiliate Program works:

Add tracking links to your website.

We provide you with content and custom links. Direct your customers to click these links.

Customer clicks through to LightStream.com.

Customer submits application on our website. We handle their approval and fund the customer directly.

Customer is funded, becomes a cash buyer.

You close more deals! Plus, you'll receive a commission for every funded loan you refer.

Benefits for your business

Hands-off customer financing

No cost or hassle for you. Simply add a link to your site, and we'll work directly with the customers you refer.

Targeted marketing content

Ready-to-use content, industry-specific landing pages, and comprehensive reports to help optimize your ads.

More buying power for your customers

Sell more by offering your customers the ability to finance their purchase, from $5,000 to $100,000, at low, fixed rates.

Earn commissions for referrals

Earn volume-based commissions for funded loans referred through your links.

Frequently asked questions

What are your rates?

LightStream’s rates are based on loan purpose, loan amount, loan terms, payment method, and the customer’s credit profile. Current rates and payment terms are visible before a customer applies or submits sensitive information.

To see our current rates, scroll down to "Find your rate" on our homepage or any of our loan purpose pages. Select the appropriate loan purpose and enter your a desired loan amount to see potential rates and calculate monthly payments.

Can I buy down rates? Do you offer any no-interest financing options?

No, LightStream does not offer zero-interest teaser rates, or buy downs. We are not able to create custom rate or payment term offers for affiliates. Our rates are fixed, and payment terms begin immediately.

How much does it cost?

There is no cost or associated fees to you to offer LightStream financing to your customers. Our affiliate program is a referral program, so we pay a referral commission for funded loans to you instead.

There are also no fees, processing charges, or prepayment penalties for your customers.

I’m an auto dealer — do you offer indirect lending, or can we add LightStream into our lender software?

LightStream does not currently offer a traditional dealer program or indirect lending. LightStream loans are direct-to-consumer only — the customer must apply on our website themselves from their own device. If they are approved, we fund them directly.

Our affiliate program differs from a traditional dealer program in that it’s a link-based referral program. We provide you with trackable links to add to your website, and you refer your good-credit customers to click through these links to apply directly on our website.

All communications are between LightStream and the customer, and we fund the customer directly. You’ll also earn referral commissions for funded loans that come through these links.

I’m a broker — what are your broker percentages?

We do not offer a traditional broker program, or pay finder or lead fees. Our affiliate program differs from a traditional broker program as it is solely a website link-based referral program.

We provide you with trackable links to add to your website, and you refer your good-credit customers to click through these links to apply directly on our website. The customer must apply on our website themselves from their own device.

All communications are between LightStream and the customer, and we cannot share any customer information with affiliates.

I don’t have a website/am still building a website, can I join?

Not yet. We require companies to have professional business websites that are hosted on their own domain (not on a free host or social media page), that have been established for at least six months.

After I'm approved for an affiliate account, what do I do next?

We’ll send you an email with information to help you get started, including our Affiliate Program Guide. This will explain how our affiliate program works, the ground rules, how to read your reports, and where to access pre-approved ads and tracking links (all content referring to LightStream must be pre-approved by us).

Since our rates are based on loan purpose, we’ll also identify the specific loan purpose your customers should use for your services or products. We offer support for any additional questions that you may have.

Where do I get login info to access my online affiliate account?

Our affiliate program uses a third-party platform — when you sign up, you’ll create a username and password, which is what you will use to log in into your account.

Once your account is approved, you’ll have access to our pre-approved marketing materials and tracking links for your website.

How will I submit credit applications? Can I submit the application on behalf of my customer?

Customers must apply on our website themselves from their own device, we cannot accept credit applications any other way.

When your customer is ready to apply, direct them to the page on your website that features LightStream. Then they can follow the link to our website where they will complete and submit the application.

We will contact them with an approval decision and if they are approved, we fund them directly, so they can return to you as a cash buyer.

Once my customer applies for a loan, what happens next?

We will contact the customer shortly with an approval decision. If approved, they need to sign their loan documents online and set up their payment and funding preferences (they must choose a funding date within 30 days or up to 90 days for a Home Improvement / Pool / Solar loan).

We deposit the funds directly into their bank account, so they can come back to you as a cash buyer.

That’s it! You are then free to set up a payment schedule with your customer. We do not need any purchase information, proof of completion or anything else from you.

You may check the number of applications that have been submitted and their status (submitted or funded) in your affiliate reports. However, we cannot provide any personal information regarding applicants or applications.

Is the LightStream loan always unsecured? What information would you need from me about the purchase, or about the product or project?

All LightStream loans are unsecured. No home equity or appraisals are needed, and we do not need any information from you about the customer’s purchase.

By accepting our loan, the customer agrees that their loan proceeds will be used on the loan purpose they selected in their loan application.

Can the loan funds be paid directly to me?

No, LightStream only deposits funds directly into the customer’s bank account, so they can return to you as a cash buyer.

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See customer FAQs

For any additional questions, email us at affiliates@lightstream.com.

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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.