Not only does LightStream, a division of Truist Bank, offer same-day funding to applicants (conditions apply), but it also doesn’t charge borrowers any fees. The lender also has some of the longest repayment terms and largest loan amounts on the market.
While LightStream has some of the most competitive rates on our list, consumers with poor credit or little credit experience won’t qualify. LightStream doesn’t offer prequalification, so if you want to see your potential rates, you’ll have to submit to a hard-credit pull. To learn more, read our full LightStream personal loan review.
*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 0.50% 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 5.99% APR with a term of 3 years would result in 36 monthly payments of $304.17. 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.
**While LightStream offers loans up to $100,000, LendingTree marketplace customers may not receive offers at this maximum loan amount.