LightStream Personal Loan review: low interest rates!

Are you looking for a convenient and affordable personal loan? Check out our LightStream Personal Loan review. We break down the pros and cons, interest rates, and more!


by Aline Barbosa

Published on 01/31/2023

LightStream Personal Loan: Uncomplicated loans for whatever you need in life!

LightStream has nos fees and interest rates that fit into your budget. Source: The News Stacker.

Are you looking for personal financial assistance that meets your individual needs? If so, our LightStream Personal Loan review may provide the perfect solution. This lending program offers competitive rates, and you could have access to money as soon as today!

LightStream Personal Loan

How to apply for LightStream Personal Loans?

Apply for a LightStream Personal Loan and get the funds you need with the best rates in the market and exceptional terms!

  • APR: LightStream offers fixed rates between 5.99% and 23.99%.
  • Loan Purpose: You can request your loan for whatever need you may have.
  • Loan Amount: Borrow amounts between $5,000 and $100,000.
  • Credit Needed: You need at least a good score to qualify for a LightStream Loan.
  • Terms: You can repay your LightStream loan between 2 and 7 years.
  • Origination fee: There’s no origination fee with LightStream.
  • Late Fee: You won’t suffer any penalty for paying your personal loan late.
  • Early Payoff Penalty: You can settle your loan anytime with no fees. 

LightStream offers a wide range of loan amounts and terms that are sure to fit any budget.

While it’s a little harder to qualify for their products than it is with other lenders, they are one of the leading loan providers in the U.S. – and for good reason.

In this LightStream Personal Loan review, we’ll show you what they have to offer and how they can help you achieve your financial goals.

We break down its costs, fees, and features to help you decide whether or not this is the lending program for you. Read on!

LightStream Personal Loan: What can you expect?

LightStream is an online loan platform that offers hassle-free and competitive loan options for your money needs.

The company stands out from the crowd with its refreshing approach to lending. They promise a variety of exclusive benefits, competitive interest rates, and zero fees attached. 

If you qualify, you can borrow any amount between $5,000 and $100,000 with repayment terms that stretch up to 12 years if you’re doing home improvements.

Customers with excellent credit can become eligible for the lowest rate, which starts at 5.99%. LightStream offers a Rate Beat program that will beat any competitor’s offer by 0.10 percent.

You can also take part in their Experience Guarantee program which gives you $100 back if you’re not satisfied with your loan within the first 30 days. 

Do the pros outweigh the cons?

LightStream has fast funding! Source: Canva.

As you can see in our LightStream Personal Loan review, this lending company has a lot to offer. But do the perks outshine the drawbacks? Check the pros and cons next so you can decide for yourself. 


  • If you meet the qualifying criteria, you can get a rate as low as 5.99%;
  • LightStream offers autopay discounts;
  • You can borrow up to $100,000 and choose same-day funding or up to 90 days after approval;
  • LightStream does not charge any fees – no origination, no late payments, no early payoffs.
  • You can repay your loan between 2 and 7 years, or up to 12 if you get a home improvement loan. 


  • LightStream does not offer a pre-qualification process for new applicants;
  • You need at least a 660 score to qualify, plus many years in your credit history;
  • Unlike many lenders, LightStream doesn’t offer payment directly to creditors on their debt consolidation loan. 

What are the eligibility requirements?

While LightStream offers fantastic financial services, qualifying for their loans isn’t the easiest task.

To begin with, you must have a good credit score and at least 5 years of multiple accounts, loans, credit cards, and more in your credit history.

You also need a strong payment history with no delinquencies, a savings and/or investments account that provides evidence that you are able to save money, and a solid income that shows your ability to repay your debt and new loan installments. 

Finally, you need to be 18 years or older and a U.S. permanent resident with a valid SSN and mailing address. 

Learn how to request the LightStream Personal Loan

LightStream allows you to borrow up to $100,000 with competitive rates and no fees. And the LightStream Personal Loan has great customer reviews – it’s well-known as one of the top-rated lenders out there.

If you’d like to learn how you can apply for their loan services, check out the following link. We’ll give you a complete walkthrough of the process and show you what to expect from it.

LightStream Personal Loan

How to apply for LightStream Personal Loans?

Apply for a LightStream Personal Loan and get the funds you need with the best rates in the market and exceptional terms!

About the author

Aline Barbosa

Aline Barbosa is an editor, writer and learning-enthusiast. Passionate about music, books and human behavior. Curious about the unknown. Believer that learning is a life-long process.

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