PERSONAL LOANS
LIGHTSTREAM: BEST FOR LOW APRS AND LARGE LOAN AMOUNTS
Apply on partner site
If you have a big ticket purchase that requires a six-figure loan amount, LightStream may be worth a look. It also offers longer terms and competitive starting APRs that may keep the payment lower than what you’d find at other personal loan lenders. You may find rates lower than home equity loans if you’re planning big-ticket home improvements and don’t want the home equity lending paperwork.
- Borrowers must have good to excellent credit
- None
Same day if approved by 2:30 p.m. ET
Pros
- Low maximum APR
- Same day funding
- High loan amounts available
Cons
- No option to prequalify
- High minimum loan amount
- Bad credit borrowers won’t qualify
*Your loan terms, including APR, may differ based on loan purpose, amount, term length, and your credit profile. Excellent credit is required to qualify for lowest rates. Rate is quoted with AutoPay discount. AutoPay discount is only available prior to loan funding. Rates without AutoPay are .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 $10,000 loan at 9.99% APR with a term of 3 years would result in 36 monthly payments of $322.62. Truist Bank is an Equal housing Lender. © 2024 Truist Financial Corporation. Truist, LightStream, and the LightStream logo are service marks of Truist Financial Corporation. All other trademarks are the property of their respective owners. Lending services provided by Truist Bank.