About Us | LightStream

Meet LightStream

Fast, easy financing for practically anything.

LightStream is the nation's premier online consumer lender. We offer low-interest, fixed-rate loans from $5,000 to $100,000 for practically any purpose.

LightStream is part of Truist, and we believe that good-credit customers deserve a fast and easy loan process, incredible service and excellent rates.

Customers can apply from the website or mobile app and receive funds directly deposited into their account as soon as the same day they apply. ¹ We’re so confident that it will be your best loan experience ever, we provide a $100 guarantee ² to back it up.

See what our customers are saying about us, and apply today to get the funds you want for what matters to you.

Press Inquiries

For the latest LightStream news, visit our Newsroom.

For press inquiries please contact Media@Truist.com.

For other questions, please vist our FAQ page.

We Plant a Tree With Every Loan

Learn more about LightStream's support of American Forests.

LightStream Loans

A fixed rate loan for practically anything.

LightStream offers a unique lending solution that allows customers with strong credit to borrow funds for purchases that had previously required collateral, or that fall into categories where few or no loan options exist. With fixed competitive rates and flexible terms, a LightStream loan for $5,000 to $100,000 can be delivered directly to a borrower’s bank account, often as soon as the same day. ¹ There are no fees or charges, nor penalties for early payment.

You’ll find that your LightStream loan is cost-efficient, offered at a competitive rate, and in an environmentally friendly manner that is virtually paperless!

Apply today, we guarantee ² you won’t be disappointed.

A LightStream loan can be used for:

Car Loans & Refinance Loans
Home Improvement Loans
Pool Loans
Timeshare Financing & Vacation Ownership Loans
Boat Loans & Aircraft Financing
Fractional Loans
IVF Financing
Jewelry Financing
Medical & Dental Financing
Adoption Financing
PreK-12 Education Loans
Horse Loans
and almost anything else!

What Our Customers Say

See what our customers say about us.

Rate Beat Program

LightStream will offer a rate .10 percentage points lower than the rate offered on any competing lender’s unsecured loan provided that you were approved for that lower rate (with the same loan terms offered by LightStream) no later than 2 p.m. Eastern time two business days prior to loan funding. The Rate Beat Program excludes secured or collateralized loan offers from any lender, and the competitive offer must be available to any customer with a similar credit profile. Terms are subject to change at any time.

If you believe you have been approved by another lender for a lower qualifying rate, log in to your account and click on “Submit Rate Beat Request” to review your Rate Beat eligibility and upload the required documentation.

Loan Experience Guarantee

After receiving your loan from us, if you are not completely satisfied with your experience, please contact us. We will email you a questionnaire so we can improve our services. When we receive your completed questionnaire, we will send you $100. Our guarantee expires 30 days after you receive your loan.

We reserve the right to change or discontinue our guarantee at any time. Limited to one $100 payment per funded loan. Truist teammates do not qualify for the Loan Experience Guarantee.

More...

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 $ loan at % APR with a term of NaN years would result in monthly payments of $.

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.

²After receiving your loan from us, if you are not completely satisfied with your experience, please contact us. We will email you a questionnaire so we can improve our services. When we receive your completed questionnaire, we will send you $100. Our guarantee expires 30 days after you receive your loan. We reserve the right to change or discontinue our guarantee at any time. Limited to one $100 payment per funded loan. Truist teammates do not qualify for the Loan Experience Guarantee.