Min. Credit Score
Max. DTI Debt to Income Ratio
LightStream offers personal loans with no fees or penalties and low fixed rates. They prefer borrowers with excellent credit score, and you'll need a strong, lengthy credit history to be eligible for a loan.
Time to Funding
Lender description LightStream is a division of Truist Bank. LightStream believes that good-credit customers deserve a fast and easy loan process, award-winning service and excellent rates.
How to qualify LightStream requires good credit, which is loosely defined as having several years of credit history with a variety of account types and few to no delinquencies. LightStream may favor applicants with stable income and high savings.
How to apply Apply online by providing your loan information, personal information, and security information. Then accept and e-sign your loan agreement, and receive funding as early as the day you're approved.
Footprint LightStream is available nationwide.
Loan example Monthly payments for a $20,000 loan at 6.99% APR (applicable with autopay and excellent credit) with a term of 3 years would result in 36 monthly payments of $617.00.