The lender is best for financially responsible borrowers with good personal credit, as LightStream looks for borrowers who … If you think you’ve found a better offer elsewhere you can go to LightStream with the details and get a rate beat, meaning it will undercut that rate to help you save even more. AAA may be compensated for the referral of loan customers to LightStream. From the convenience of a computer or mobile device, LightStream offers its customers highly competitive fixed-rate financing for a variety of needs, including credit card or debt consolidation. Good credit required: To qualify for a LightStream auto loan you’ll need a credit score of at least 660 or better. LightStream has great diversity in its personal loans, including vehicle loans, home improvement loans, recreation loans, family life loans, debt consolidation loans, pre-K … LightStream is ideal if you’re looking to take out a large loan, want a long loan term or need funds fast. One LightStream customer, Melissa Z., found the application process “easy, secure [and] very comfortable.” When she signed up, she received a response within 24 hours. LightStream, a division of SunTrust Bank, is one of the top personal loan options on the market because we've seen it consistently quotes lower than average rates.On top of that, the company provides fast funding times and a wide range of loan amounts and terms. Borrowers can purchase a new or used vehicle from either a dealer or private seller as long as the automobile is in the U.S. and has a lien-free title. LightStream car loans are available on new or used cars from $5,000 to $100,000 with terms ranging from 24 to 84 months. LightStream is a division of SunTrust Bank. See if you prequalify Get Started LightStream: Low rates on personal loans This takes away one of the primary advantages a secured loan has over an unsecured loan and offers you the benefit of not having your asset used as collateral. Find out more about personal loans from LightStream, how to apply, and how they compare to other lenders like Lending Club and SoFi. Not only does LightStream promise to beat any qualifying competitors' rate, but it also offers extremely high-value loans. The key feature of LightStream's online personal loans is that they can be up to $100,000 and used for nearly any reason. Car rates are available from 3.99% up to 8.34% for both new and used vehicles. LightStream: Best personal loan overall, ... With secured loans, you'll be putting up collateral to protect your loan. It’s a win-win. Does LightStream charge an origination, application, or prepayment fees? A LightStream loan can be used for a variety of needs, including debt consolidation, the most common use of a personal loan, but LightStream requires that you use funding on what you listed in your loan application, which can be limiting. If you accept a LightStream auto loan offer, you will receive the car’s title once the loan is approved and the financing will show up on your credit report as a personal loan. LightStream Personal Loans . Rate is quoted with AutoPay discount. LightStream offers personal loans at low-interest rates. LightStream and Truist teammates do not qualify for the Loan Experience Guarantee. When you throw in its easy- to-use online portal, and quick turnaround time, using LightStream comes off as a no brainer. Swimming pool loans are an option for financing your new pool. LightStream personal loans work best for borrowers with good credit and several years of credit history. Here’s the even better news, though. Be careful though, LightStream’s minimum loan amount is $5,000.If you have a security deposit that is less than that amount, you should not borrow up just to take out a loan with LightStream. No, LightStream does not charge any fees. Annual Percentage Rate (APR) 2.49% to 19.99%* when you sign up for autopay. Though it’s the lending arm of SunTrust Bank (soon to be Truist Bank), its loan offerings are open to anyone in the U.S. LightStream does cater more toward borrowers with excellent credit indicated through the $100,000 borrow limit and credit history requirements. Good reviews: LightStream auto loan reviews are generally positive. The lender’s Rate Beat program will beat any rate a competitor offers by 0.10 percentage points. This is different from most auto loans, which are examples of secured financing, in which the lender keeps the title and the loan shows specifically as an “auto loan” on your credit history. LightStream loan amounts range from $5,000 to $100,000, which is one of the higher loan limits available among online lenders. Read our review of LightStream and compare loans. Compared to the industry, this is right in line with some of the top lenders. 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