LightStream Debt Consolidation Loans Review

Rating: 9 / 10 (Excellent)
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LightStream is a national online consumer lending division of SunTrust Bank Inc. that offers a wide variety of financial services. Their debt consolidation loan allows consumers to get between $5,000 and $100,000 with loan term options from 24 to 84 months*. Consumers’ satisfaction is guaranteed with LightStream’s $100 Loan Experience Guarantee** which is included on all their services.

Company Profile

BBB Rating






Participating States

Continental US

Loan Matching Service

Direct Lenders



FDIC Insure Trust Account

FTC Compliant

Loan Basics

Minimum Loan Amount


Maximum Loan Amount


Loan Terms

24 to 84 months*


5.49% - 14.24%* (with Autopay)

Interest Rate

Not Stated

Origination Fee


Late Payment Fee


Additional Fees

Upfront Fees


Consultation Fees


Fees and Charges


Prepayment Penalty



Proof of Income

Credit History

Financial Stability


Minimum Credit Score



Online Application

Response Time

Within 24 hours

Direct Deposit

18+ Years of Age

US Citizen or Permanent Resident

Social Security Number

Home Address

Email Address

Checking Account

Customer Support



Loan Consultants


LightStream offers is a good source for debt consolidation loans with its wide variety of financial service offers. The direct lender also provides same-day funding*** of up to $100,000 in loans which makes them one of the quickest sources of loans in the market today. LightStream also backs their service with $100 Loan Experience Guarantee** to ensure satisfaction among their customers.

* The APR listed is for an unsecured credit card/debt consolidation loan between $10,000 and $24,999 with a term between 24 and 36 months, for applicants with excellent credit. Your APR may differ based on loan purpose, amount, term, and your credit profile. Rate is quoted with AutoPay discount, which is only available when you select AutoPay prior to loan funding. Rates under the invoicing option are 0.50% 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 5.49% APR with a term of 3 years would result in 36 monthly payments of $301.91.
** After receiving your loan from us, if you are not completely satisfied with your experience, please contact us. We will email you a questionnaire so we can improve our services. When we receive your completed questionnaire, we will send you $100. Our guarantee expires 30 days after you receive your loan. We reserve the right to change or discontinue our guarantee at any time. Limited to one $100 payment per funded loan. LightStream and SunTrust teammates do not qualify for the Loan Experience Guarantee.
*** You can fund your loan today if today is a banking business day, your application is approved, and you complete the following steps by 2:30 p.m. Eastern time: (1) review and electronically sign your loan agreement; (2) provide us with your funding preferences and relevant banking information; and (3) complete the final verification process.

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Our Partner
9.0 / 10
  • Get loan between $5,000 and $100,000
  • Flexible terms
  • Low Fixed Rates with no Fees
  • No origination fee