LightStream Personal Loan
Low-rate personal loans from $5,000 to $100,000 backed by Truist Bank. Rate Beat program guarantees competitive rates with autopay discount.
Last checked on June 7, 2026. We may earn a commission when you click through.
LightStream
PersonalLightStream offers competitive personal loan rates with flexible amounts and terms, making it a strong choice for those with excellent credit.
LightStream, backed by Truist Bank, provides personal loans ranging from $5,000 to $100,000 with APRs between 6.49% and 24.89%. The Rate Beat program ensures competitive rates, and autopay can offer an additional discount. However, these lower rates are contingent on having excellent credit, which limits accessibility for average borrowers. The loan terms are flexible, allowing repayment from 24 to 240 months, which can cater to varying financial needs. Pros include a straightforward application process, no fees for origination or prepayment, and a range of funding purposes from home improvements to debt consolidation. However, the requirement for excellent credit may disqualify many potential applicants, and the rates can be significantly higher for those with lower credit scores. Compared to other lenders, LightStream's focus on larger loans with longer terms is advantageous for those seeking significant financing, but it may not be the best option for smaller needs or those with less-than-perfect credit. Overall, LightStream is a solid choice for qualified borrowers looking for flexible personal loan options.
Potential borrowers should note that the lowest rates require excellent credit and autopay setup, which may not be applicable to everyone.
Personal
Estimated APR
8.99–35.99%
Loan amount
$2k–$50k
Term
24–60 mo
Best for: Individuals with fair credit scores (600+) looking for personal loans between $2,000 and $50,000.
Personal
Estimated APR
7.74–35.99%
Loan amount
$1k–$50k
Term
24–84 mo
Best for: This service is ideal for those looking to consolidate debt or finance larger purchases without prepayment penalties.
Personal
Estimated APR
6.53–35.99%
Loan amount
$1k–$40k
Term
24–60 mo
Best for: Individuals with fair credit seeking personal loans for debt consolidation or major purchases.
Estimated APR
6.25–35.99%
Loan amount
$5k–$50k
Term
24–60 mo
Best for: This service is best for individuals with good credit looking to consolidate debt with fixed-rate personal loans ranging from $5,000 to $50,000.
Estimated APR
19.9–35.95%
Loan amount
$300–$10k
Term
12–48 mo
Best for: This service is ideal for borrowers who are new to credit and need a manageable loan for personal expenses, ranging from $300 to $18,500.
Personal
Estimated APR
6.09%
Loan amount
—
Best for: Military members and veterans seeking some of the lowest personal loan APRs available, though open to all Americans.