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LightStream, which is an online lending division of SunTrust Bank, has one of the highest limits for personal loans, offering amounts up to $100,000.
LightStream personal loans are best if:
- You have good credit
- You need money for a car or home improvement project
- You need to borrow a larger amount
LightStream interest rates and loan details
Depending on the interest rate you qualify for, personal loans can be an affordable way to finance a major purchase, take care of an unexpected bill, or pay off existing high-interest credit card debt.
If you decide to take out a personal loan with LightStream, here’s what you should know:
|Fixed rates||3.99% - 19.99% APR|
|Loan amount||$5,000 to $100,000|
|Min. credit score||660|
|Time to get funds||As soon as the same business day|
|Residency||Must reside in the U.S.|
|Fees||No prepayment penalty, origination fee, or late payment fee|
|Key benefits||0.50% autopay discount
(only available prior to loan funding)
|Loan originator||Contact lender for more information|
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LightStream personal loans review
LightStream offers secured and unsecured loans with no fees to borrowers with good to excellent credit history. The loans can be used for a variety of purposes including financing a car, home improvement projects, adoption or medical expenses, or other major expenses, as well as debt consolidation, and more.
LightStream offers a $100 Loan Experience Guarantee which states that the LightStream application process will be the best you’ve experienced. If after receiving a loan from them, you’re not satisfied, they will send you $100. As always, terms and conditions apply.
LightStream customer support is also available Monday through Saturday should you need any assistance from them during the loan process.
How LightStream compares to other lenders
Here’s exactly how LightStream stacks up against other good credit and home improvement lenders:
|Fixed rates||3.99% - 19.99% APR||6.99% - 19.99% APR1||10.68% - 35.89% APR|
|Loan amounts||$5,000 up to $100,000||$3,500 to $40,0002||$1,000 up to $40,000|
1Rate reduction of 0.25% available for AutoPay.
2You may be required to have some of your funds sent directly to pay off outstanding unsecured debt.
3After making 12 or more consecutive monthly payments, you can defer one payment as long as you have made all your prior payments in full and on time. Marcus will waive any interest incurred during the deferral and extend your loan by one month (you will pay interest during this extra month). Your payments resume as usual after your deferral. Advance notice is required. See loan agreement for details.
See how LightStream stacks up with: The Best Personal Loans
How to take out a personal loan with LightStream
When taking out a loan, it’s always a good idea to ensure you have a good credit score and many years of credit history. Then, you should compare rates from multiple lenders to find the best personal loan for you — including terms, interest rates, and monthly payments that work for you.
Credible allows you to see prequalified loan rates from multiple lenders who offer personal loans, including LightStream in just a few quick steps:
- Review your credit profile
- Fill out our form in 2 minutes
- Compare loan offers on the dashboard
- Choose your loan offer
The company above is one of Credible’s approved partner lenders. Because they compete for your business through Credible, you can request prequalified rates from them by filling out a single form. Then, you can compare your available options side-by-side. Requesting prequalified rates is free and doesn’t affect your credit score. Credible receives compensation if you close a loan with one of our partner lenders. The rates you receive and the fees you pay (if any) are not impacted by this compensation.
About Rates and Terms: Rates for personal loans provided by lenders on the Credible platform range between 4.99-35.99% APR with terms from 12 to 84 months. Rates presented include lender discounts for enrolling in autopay and loyalty programs, where applicable. Actual rates may be different from the rates advertised and/or shown and will be based on the lender’s eligibility criteria, which include factors such as credit score, loan amount, loan term, credit usage and history, and vary based on loan purpose. The lowest rates available typically require excellent credit, and for some lenders, may be reserved for specific loan purposes and/or shorter loan terms. The origination fee charged by the lenders on our platform ranges from 0% to 8%. Each lender has their own qualification criteria with respect to their autopay and loyalty discounts (e.g., some lenders require the borrower to elect autopay prior to loan funding in order to qualify for the autopay discount). All rates are determined by the lender and must be agreed upon between the borrower and the borrower’s chosen lender. For a loan of $10,000 with a three year repayment period, an interest rate of 7.99%, a $350 origination fee and an APR of 11.51%, the borrower will receive $9,650 at the time of loan funding and will make 36 monthly payments of $313.32. Assuming all on-time payments, and full performance of all terms and conditions of the loan contract and any discount programs enrolled in included in the APR/interest rate throughout the life of the loan, the borrower will pay a total of $11,279.43. As of March 12, 2019, none of the lenders on our platform require a down payment nor do they charge any prepayment penalties.