Last Updated: 05/11/2026
SuperMoney User Recommendation Score -3
Mostly not recommended64 total votes
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Highlights
Community Rating
Mostly not recommended
APR (Fixed APR)
2.99% - 19.99%(Verified 05/11/2026)
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Amount Range
$5,000 - $100,000
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Loan Term (Months)
24 - 240
Number of Reviews
LightStream Personal Loans Review
LightStream Personal Loans is offered by SunTrust Bank, a bank founded in 1865 and based in Atlanta, GA. Lightstream loans are available in 50 states and Washington, DC.
Key Takeaways
- APRs starting at 2.99%. Rate is quoted with autopay discount*. Personal loan interest rates typically range between 9% and 36%. The starting rates for LightStream Personal Loans are on the lower end of the spectrum.
- Same day funding available. In some cases you may be able to access your money the same day you apply.
- Large loan amounts. You can apply for loan amounts of up to $100,000 with LightStream Personal Loans .
- No origination fee. LightStream Personal Loans does not charge a loan origination fee.
- No late fees. LightStream Personal Loans will not charge additional fees if you miss the due date on a payment.
- Cosigner required. Applicants must have a cosigner to complete an application.
- Super long loan terms. LightStream Personal Loans offers loan terms of up to 240 months. Most personal loans have a maximum term of 60 months.
Lightstream loans Pros & Cons
| Pros | Cons |
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Lightstream loans FAQ
What interest rates and personal loan terms does Lightstream loans offer?
Lightstream loans has lower than average interest rates for lenders reviewed on SuperMoney.
What interest rates does Lightstream loans offer?
Lightstream loans offers a fixed APR personal loan product that ranges from 2.99% APR up to 19.99% APR. Rate is quoted with autopay discount*.
How much can you borrow via Lightstream loans?
Personal loan amounts start at $5,000 and go up to $100,000
What is the maximum loan term you can get with Lightstream loans?
Lightstream loans offers loans with terms of up to 240 months.
| Personal Loan Amount | $5000 - $100000 |
| Loan Term | 24 - 240 months |
| APR | 2.99% - 19.99% Rate is quoted with autopay discount* |
What fees does Lightstream loans charge?
Does Lightstream loans charge an origination fee?
Lightstream loans does not charge a personal loan origination fee.
A personal loan origination fee is what some lenders charge for processing, underwriting, and funding a personal loan. Typically origination fees range from 0.5% to 5% of the personal loan amount. Whenever possible, consider lenders that don’t charge origination fees.
Does Lightstream loans charge a late fee?
No, Lightstream loans will not charge you a late fee if you miss payments.
Does Lightstream loans charge prepayment fees?
No, Lightstream loans does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the personal loan off early.
| Origination Fee | No |
| Prepayment Fee | No |
| Late Payment Fee | No |
What do you need to qualify for LightStream Personal Loans?
Applicants with a credit score of at least 660 and up to 850 may be eligible for LightStream Personal Loans. The minimum age to be eligible is 18 or the state minimum, whichever is higher. LightStream Personal Loans does not have or does not disclose a minimum annual income eligibility requirement. Note that borrowers can add a cosigner to either meet eligibility requirements or qualify for lower interest rates.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by LightStream Personal Loans.
To qualify, applicants may need to provide the following documentation:
- Applicants must have an active and valid personal checking account
- Recent pay stubs
- Proof of income
- Driver's license or other government photo ID
- Proof of citizenship or residence permit
| Minimum Age | 18 |
| Bank Account Required? | Yes |
| Application Types Accepted |
|
| Credit Score | 660 - 850 |
What is the estimated funding time for a personal loan via Lightstream loans?
Lightstream loans will typically fund loans within 0 to 30 business days of approval and clearing necessary verifications.
Does LightStream Personal Loans report your account activity to credit bureaus?
Yes, LightStream Personal Loans reports to the following credit bureaus:
- Equifax
- Experian
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does SunTrust Bank perform a hard credit pull?
Yes, Lightstream loans performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
Are LightStream Personal Loans legit?
SunTrust Bank was founded in 1865, it is a well-established company that has been in business for 161 years. LightStream Personal Loans is mostly not recommended by SuperMoney community users.
LightStream Personal Loans Disclosure: *Your loan terms, including APR, may differ based on loan purpose, amount, term length, and your credit profile. Lowest rates require excellent credit. At least 21% of approved applicants applying for the lowest rate qualified for the lowest rate available based on data from 04/01/2022 to 06/30/2022. 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 $25,000 loan at 7.44% APR with a term of 12 years would result in 144 monthly payments of $263.00.
Maximum APR for a LightStream loan is 20.49%. Loan terms range from 24 - 144 months depending on the loan type.
1You 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.
Read Rate Beat disclosure:
2LightStream will offer a rate .10 percentage points lower than the rate offered on any competing lender’s unsecured loan provided that you were approved for that lower rate (with the same loan terms offered by LightStream) no later than 2 p.m. Eastern time two business days prior to loan funding. The Rate Beat Program excludes secured or collateralized loan offers from any lender, and the competitive offer must be available to any customer with a similar credit profile. Terms are subject to change at any time. If you believe you have been approved by another lender for a lower qualifying rate, log in to your account and click on “Submit Rate Beat Request” to review your Rate Beat eligibility and upload the required documentation.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Message from Lightstream loans
Message from our editor
What We Love About LightStream Personal Loans
LightStream is really confident about its rates and the fact that it provides some of the best in the industry. We love the Rate Beat Program, which guarantees that the company will beat any APR by 0.10 percentage points if people find a lower one elsewhere. This is handy to help you know that you’re getting the best rates around.
The other thing that we love is that they can do this because they change the interest rates based on the intent or purpose of the loan. For example, they could offer a lower interest rate on an auto loan because the vehicle works as collateral, while they might require higher interest rates for an unsecured personal loan.
What Could LightStream Do Better?
LightStream offers lower rates on personal loans than several lenders, but these rates are only available to those who have excellent credit, substantial savings, and a good job-- it’s almost as if you end up in the typical bank Catch-22 of needing money to borrow money. Of course, this is just the nature of personal loans and other types of borrowed financing. The majority of users report getting better rates here than from other lending sources, regardless of their loan type.
LightStream Backstory
LightStream is a subsidiary of SunTrust Bank, one of the largest banks in the United States. This company was founded in 2004 as FirstAgain. In San Diego, Dave Zeller and Gary Miller started a small lending firm and sold it to SunTrust in 2012. This is the second project from Gary Miller, who also helped found PeopleFirst, bought by Capital One in 2001.
The Verdict
LightStream has great interest rates, hands down, for those who qualify. The application process is also quick and easy, with near-instant approval and same-day funding in some cases. That’s well worth the look.
Hours of Operation
Sunday
All Day
Monday
All Day
Tuesday
All Day
Wednesday
All Day
Thursday
All Day
Friday
All Day
Saturday
All Day
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users mostly don't recommend this product, giving it a user recommendation score of -3, or 2.9 on a 5-point rating scale.
-3
-1000+100
No one recommends
Everyone recommends
LightStream Personal Loans Community Reviews
Would you recommend LightStream Personal Loans to your friends?
MC
Mazhar C.
Nov 25, 2022
May or may not recommend
Based on my Credit profile, Lending tree suggested I apply for an auto loan with LightStream. I applied late night one evening and that morning I was contacted by a representative asking to verify a couple of things. And was told I would here back soon. Literally, soon after that call I received an approval email. And I was able to have the funds deposited the next morning. And what's ...Show More
U
Anonymous
Aug 14, 2022
May or may not recommend
Absolute dog water of a lender. Their reviews on their website are fake. You aren't allowed to leave a review if you're not already approved either.
I make $250k a year with less than 1p% credit utilization and a 740 FICO. I took one month off to get a medical procedure done so I did not have a pay stub last month. They also demanded a pay stub for $250,000. I ...Show More
Mitch A.
Jun 6, 2021
May or may not recommend
I had a great experience with LightStream. Acceptance within a few hours and 3.99% loan rate. I do have very good credit, 25 years of unblemished payments.
GG
G G.
Jan 13, 2021
May or may not recommend
Redlining practices are in place. A Excellent credit rating with income salary proving over 100k annually was denied and all they said was it was reasons of the credit report...the same credit report that has 795 Excellent status?! It has been reported to officials for investigation.
U
Anonymous
Sep 12, 2020
May or may not recommend
I have an 818 credit score almost 0 debt with 1% usage, recently paid off a 5 year car loan and earn over $100K a year, a significant amount in savings and I was denied... similar to what others said the reasons don't even apply to me.. insufficient credit history?! Now I'll take a hit on my credit report for the inquiry.
U
Anonymous
Feb 14, 2020
May or may not recommend
Over the years I've obtained and paid off numerous personal loans. 740+ credit score, earn $200k/yr, no bankruptcies or delinquent payments on any credit accounts ever. This was the most personal process I've gone through for a loan application, aside from going and sitting in a bank branch face to face with a Banker. A phone interview was conducted and I am pretty sure I know the ...Show More
EP
Ellen P.
Jan 29, 2020
May or may not recommend
Unless you have 750+ score they will deny and sell your info to predatory lenders. Be prepared for a slew of robo calls and solicitations.
Demona V.
Oct 29, 2019
May or may not recommend
Based on my Credit profile, Lending tree suggested I apply for an auto loan with LightStream. I applied late night one evening and that morning I was contacted by a representative asking to verify a couple of things. And was told I would here back soon. Literally, soon after that call I received an approval email. And I was able to have the funds deposited the next morning. And what's ...Show More
Mark G.
Aug 22, 2019
May or may not recommend
I got a 24K to refinance my Harley. It was very easy and the funds were deposited in my bank the next morning. My credit report is clean with FICO 753 and 110K salary. They also asked how much I currently had in my bank account and investments. After reading some negative reviews I almost did not apply. Glad I did. It's going to ...Show More
Vsn S.
Aug 1, 2019
May or may not recommend
I just applied no less than ten minutes ago, seriously. Started reading these reviews and got scared. Checked my email and I am approved for a $32,000 loan!
I spent two days with three banks and LightStream hooked me up in less than ten minutes!!!!!
AMAZING!!!!!!
Thanks, Guys!!!
JH
Jenny H.
Jul 26, 2019
May or may not recommend
Just started using LightStream and need to see how things go.
TR
Tyler R.
Jul 23, 2019
May or may not recommend
. Short an sweet. I make 80k bases before commissions, 747 credit score monthly expenses under 20% each month.
Denided for not enough income. Use a credit union. Not this grabage.
Kevin R.
Jun 28, 2019
May or may not recommend
They suck they really do I lost 3 bank accounts trying to get a loan from them. I never got anything resolved from them and I paid for most of the verifications they asked of me out of my own pocket this company seems like a fraud company right when I was supposed to get my 10k loan the loan officer as he called himself just stopped messaging me and ...Show More
U
Anonymous
Mar 27, 2019
May or may not recommend
be careful on your credit score it seems like more rejection odds if you go for loans beyond $20k.
U
Anonymous
Mar 12, 2019
May or may not recommend
Most of the negative reviews I see are for people who did not get approved. Not sure the specifics of their situation, but I have “good” credit and 80k annual income. I got a consolidation loan at a great rate. No bait and switch. No scam. I got approved in less than five minutes and the money was in my account the next business day. Seamless process.
U
Anonymous
Feb 21, 2019
May or may not recommend
absolute fraud!!! bait and switch.
They said first you are preapproved finish your application!
I have own business generating net income of 200K per year, zero debt, own properties outright, and 60k cash my checking and they still declined! absolute fraud!! stay away!
LS
Linda S.
Feb 8, 2019
May or may not recommend
Good company to get a quick loan and it was very easy and fast.
Rich M.
Feb 1, 2019
May or may not recommend
Do not apply with this company. Unfortunately they are absolute clowns. 50% of the reviews here do not recommend them. I urge you to not waste the inquiry’s. Go to a real bank!!
CW
Chris W.
Jan 30, 2019
May or may not recommend
Best loan service out there by far. People who complain about not getting a loan are high risk. Good credit let’s you get easier loans
Marty J.
Jan 21, 2019
May or may not recommend
All they advertise is easy loan process with fast funding if you have good credit. I have over 800 credit score over 20 yeas established credit, six figure income with double the requested loan amount cash in saving account they declined my loan and only dinged my credit by 6 points.
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