Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florida. ...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jul 18, 2021

Advertiser Disclosure

Advertiser Disclosure: We strive to help you make confident loan decisions. Comparison shopping should be easy. We are not affiliated with any one loan provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about loans. Our goal is to be an objective, third-party resource for everything loan related. We update our site regularly, and all content is reviewed by experts.

Company Details
Address: PO Box 117320
City: Atlanta
State: Georgia
ZIP Code: 30368-7320
Phone Number: 1 (800) 447-8994
Website: https://www.lightstream.com
Year Founded: 2012
AM Best Rating:
Company Rating 0 (0 reviews)

Our LightStream review will answer if the platform is a worthy personal loan option for you to apply for.

LightStream is the online lending arm of Truist Bank, but what kind of personal loan is best for your situation? Options vary for many different situations and by lender.

Before you read LightStream reviews, find affordable personal loan rates from lenders near you with our free comparison tool. Enter your ZIP code above to get started.

LightStream Review Highlights

  • Loan amounts from $5,000-$100,000
  • APR from 5.95% – 19.99%
  • Can be fast approval and funding
  • No fees

LightStream offers high amounts for borrowing and low rates on its unsecured personal loans. It’s a top lending option for borrowers with a good to excellent credit history over several years and a FICO score of over 690.

What’s a FICO score? It is a particular brand of credit score. Consumer Finance explains what a FICO score is in detail.

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What are the limits on a LightStream personal loan?

Loan terms range from two to seven years depending on loan amounts, but you will not get approved for a loan for any of the following:

  • College or other post-secondary education expenses, including refinancing existing student loans
  • Refinancing existing LightStream loans
  • Funding a business,
  • Funding a cash-out refinance,
  • Purchasing stocks, bond, or stock options or repay a loan against a stock option,
  • Contributing to retirement, life insurance, or education savings programs

There are many opportunities available to you with a personal loan through LightStream, but another lender may suit your needs better. Shop around and read our and more LightStream reviews from BBB and A.M. Best before you buy personal loan plans.

How does LightStream compare to the competition?

LightStream will beat a competitor’s rates by 0.1% with proof of approval for the same type of fixed-rate loan for the same amount, term, purpose, and payment method.

LightStream also operates a different kind of loan process where applicants don’t need to pre-qualify. Rather, LightStream is open to what borrowers require. And if you’re not satisfied with the loan process, LightStream will give you $100.

Like most lenders, LightStream considers your credit score and credit history including payment record, the desired loan amount, purpose, and repayment terms. LightStream also considers what assets you have available already. Learn what you need to know before taking out a loan before you apply.

Now that you’ve finished our LightStream review, compare your options before you buy personal loan plans. Start by entering your ZIP code into our free comparison tool today.