LightStream Personal Loans Review

Rating: 9.0 / 10 (Very good)
2 Customer Reviews - see all reviews
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How is LightStream rated?
Loan Basics
Additional Fees
Types of Lenders
Application Process
Service Features
Customer Service

LightStream provides personal loans for a variety of purposes. LightStream serves consumers who have good to excellent credit profiles as well as sufficient income and assets. LightStream offers competitive rates that vary based on the purpose the loan is being used for, and depending upon loan amount, term and credit profile of the applicant. LightStream offers some of the lowest rates for everything from home improvement, debt consolidation, medical bills, auto, motorcycle, RV, boat, etc.

LightStream offers loan amounts from $5,000 to $100,000, quick approval and funding, plus competitive rates and no LightStream fees.

Loan Details

Secured1 (auto only) or Unsecured Personal Loans

Minimum Loan Amount


Maximum Loan Amount


Minimum Loan Period

2 years

Maximum Loan Period

7 years

Loan Rates

LightStream’s rates vary by loan purpose, amount, term, and applicant’s credit profile. Rate is quoted with AutoPay discount, which is only available when applicant selects AutoPay prior to loan funding. Rates under the invoicing option are 0.50% higher.  Taking these factors into consideration, the overall rate range for a LightStream loan is 1.99%-14.49%* APR w/ AutoPay.

Direct Deposit


* The lowest APR listed is for an unsecured dealer used auto 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. If your application is approved, your credit profile will determine whether your loan will be unsecured or secured (auto loans only). Subject to credit approval. Conditions and limitations apply. Advertised rates and terms are subject to change without notice.

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.

1LightStream’s secured auto loan secures the auto and requires some lienholder paperwork. The loan can be used for new or used car purchases from any automobile dealer or private seller within the U.S., and the existing title must be lien-free for the application to move forward. Secured auto rates may vary with credit quality.

Payment example: Monthly payments for a $10,000 loan at 4.29% APR with a term of 3 years would result in 36 monthly payments of $296.53.



Online Application Time

A few minutes

Response Time


Hard Credit Pull


Some Information considered

Debt to Income Ratio

Credit Score

Credit History



LightStream Personal Loans 

LightStream is the national online consumer lending division of SunTrust Bank. LightStream is also recognized because of its ability to provide personal loans up to $100,000 and also for their great rates. When you throw in its easy- to-use online portal, and quick turnaround time, using LightStream comes off as a no brainer.

However, LightStream is able to offer the low rates and flexibility only to those with good to excellent credit. If you or a cosigner has good to excellent credit,  LightStream can be a great choice. Remember, you must have good to excellent credit to qualify for a LightStream loan.

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Latest Reviews

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I been waiting waiting and wondering where's the loan money going r how to finish loan..

Texarkana, Texas
They were so amazing!! Very easy to apply with not a lot of work to provide documents. We received our loan in less than a week after sending documents! The money was in our account in just a couple of days with options of when we wanted our first payment ( more than 30 days if needed). The interest rate for this personal was the best we have had! They were right when they guaranteed $100 if it's not the best loan experience!!

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