LightStream Personal Loan (non-vehicle purposes)
What LightStream publishes: "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 33.00% of approved applicants applying for the lowest rate qualified for the lowest rate available based on data from 04/01/2026 to 06/30/2026. Rate is quoted with AutoPay discount. AutoPay discount is only available prior to loan funding. Rates without AutoPay are 0.50% points higher. Fixed rate, simple interest fully amortizing installment loans, no fees or prepayment penalties. Loan terms range from 24 - 240 months depending on the loan type."
LightStream prices by purpose, amount and term. Numbers are the lender's live rate feed (restapi.lightstream.com, generatedDate 2026-09-04) that the lightstream.com rate calculator renders: NotVehicle group with AutoPay 7.24%-24.89%; with invoicing (no AutoPay) 7.74%-25.39%. Overall max APR for any LightStream loan today: 25.39%. Per-term ranges by amount band are in the rate-table endpoint, e.g. $10,000-$24,999 at 24-36 months 7.24%-19.99%; $50,000-$100,000 at 73-84 months 8.74%-24.89%; 85-240 month terms only for $25,000+ (home improvement type purposes).
The rate you are offered is set by LightStream after you apply on its site. It depends on your credit history, income, loan amount and term, and may be higher than the lowest rate shown here.
| Loan amount | $5,000 to $100,000 |
| Term | 24 to 240 months |
| Rate type | fixed |
| Funding speed | same day: 'Receive your funds as soon as today' when approved and steps completed by 2:30 p.m. ET on a banking business day |
| Origination fee | 0%: 'no fees or prepayment penalties' |
| Prepayment penalty | No |
| Late fee | Not stated |
| Minimum credit score | Not disclosed |
| States | Not stated |
| Membership | Not required |
- Origination fee 0%: 'no fees or prepayment penalties'
- Funding: same day: 'Receive your funds as soon as today' when approved and steps completed by 2:30 p.m. ET on a banking business day
- Borrow up to $100,000
- No prepayment penalty
| Legal name | Truist Bank (LightStream is a division of Truist Bank, Member FDIC) |
| Type | Bank |
| Website | https://www.lightstream.com |
Other LightStream offers on Banrox: LightStream Auto Loan (new, used, refinance, lease buyout, private party).
| Rates as of | Sep 04, 2026 |
| Lender rate page | Open |
Every number on this page is copied from LightStream's public website on the date above. Banrox does not set, estimate or adjust lender rates.
Third-party lenders
Loan offers are provided by third-party lenders. Banrox is a technology company and is not a lender. Banrox does not take loan applications, make credit decisions or fund loans.
Compensation
Banrox may receive compensation from some lenders when you click or apply through links on this page. Compensation does not affect the rates shown, which are taken from each lender's public website as of the date displayed.
Rates and estimates
Rates, amounts, terms and fees are shown as published on the lender's website on the date marked above and may change without notice. The payment estimate uses the lowest APR the lender publishes and excludes origination and other fees; the lender's own disclosure governs. Nothing on this page is an offer, a rate quote or a commitment to lend.
