LightStream – Personal Loan
LightStream is the online lending division of Truist Bank offering unsecured personal loans up to $100,000 with some of the lowest APRs in the US market.
Applying does not obligate you to accept a loan offer.
LightStream Personal Loan – 2026 Guide
LightStream is the digital consumer lending arm of Truist Bank — one of the largest banks in the United States. It is widely regarded for offering the lowest APRs available to prime borrowers.
What LightStream Funds
LightStream offers loans for almost any purpose — auto, home improvement, debt consolidation, medical, weddings, and more. Loans range from $5,000 to $100,000 with terms up to 12 years (144 months), with no fees and same-day funding available.
Rate Beat Program
LightStream offers a Rate Beat Program that promises to beat a competitor's rate by 0.10 percentage points (subject to terms) and a $100 Loan Experience Guarantee.
✓ Pros
- Lowest APRs in the market
- Longest terms available
- No fees of any kind
- Same-day funding
- $100 Loan Experience Guarantee
✗ Cons
- Excellent credit required (typically 720+)
- No pre-qualification with soft credit
- No co-signer option
Loan Example
Example: $25,000 loan for 60 months at 9.49% APR = monthly payment of $524.40, total payable $31,464.00.
Eligibility Requirements
- ✓ Age 18+ years
- ✓ US resident
- ✓ Excellent credit (720+)
- ✓ Several years of credit history
- ✓ Stable, verifiable income
Loan Features
- APR from 7.49% with autopay
- Loans up to $100,000
- Terms up to 12 years
- No fees, no prepayment penalty
- Rate Beat Program
Frequently Asked Questions
24 hours after submitting your application.
The minimum amount at LightStream is $5,000 USD.