Is this page an offer of credit?

No. It is a lender's published offer, copied from the lender's public website on the date shown, and nothing on it is a quote, a pre-approval or a commitment to lend. Your rate is set by the lender after you apply on its site.

Why does the APR show a range?

Because that is what the lender publishes. Banrox shows the APR block only when the lender publishes one and quotes the lender's own wording; the rate you are offered depends on your credit history, income, amount and term, and may be higher than the lowest rate shown.

How is the monthly payment estimate calculated?

Principal and interest at the lowest APR the lender publishes, over the term you pick, excluding origination and other fees. It is an estimate for comparison only, and the lender's own disclosure governs.

What is the "Lowest APR" history chart?

A record of the lowest APR this lender published each time Banrox checked its page, so you can see whether the rate has been moving. It is a history of published rates, not a prediction of what you will be offered.

Does Banrox get paid if I apply?

Banrox may receive compensation from the lender when you take a product through the site, and that compensation cannot change the order in which offers are shown. Advertiser and Affiliate Disclosure.

Does clicking Apply affect my credit?

Not on Banrox. Apply takes you to the lender's site, where the lender's own application may involve a hard inquiry, and the lender must tell you before it does. Soft pull and hard pull, explained.

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LightStream Personal Loan (non-vehicle purposes)

LightStream · Personal loan · Rates as of Oct 12, 2026

APR (fixed)

9.99% to 24.94%

APR, fixed

What LightStream publishes: "Low fixed rates from 9.99% to 24.94% APR with AutoPay. Rates without AutoPay are 0.50% points higher. Maximum APR for a LightStream loan is 25.44%."

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 and term

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

Fees

Origination fee	0%: 'no fees or prepayment penalties'
Prepayment penalty	No
Late fee	Not stated

Eligibility

Minimum credit score	Not disclosed
States	Not stated
Membership	Not required

Highlights

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

About LightStream

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 Refinance, LightStream Auto Loan (new or used car purchase, dealer or private party).

Source and date

Rates as of	Oct 12, 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.

Estimated payment

at 9.99% APR, the lowest published

/month

Loan amount and term

Apply

Apply on LightStream's site

See the lender's rate page

Lowest APR, last 8 checks

Estimate only. Principal and interest at the lowest APR the lender publishes, excluding fees. Your actual rate, payment and eligibility are decided by the lender. This is not an offer or a commitment to lend.

Compare with

PenFed Credit Union: PenFed Personal Loan from 6.39%
Best Egg: Best Egg Personal Loan 6.99% to 35.99%
Discover Personal Loans: Discover Personal Loan 6.99% to 24.99%

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.

Before you rely on anything on this page

Banrox does not decide. Banrox Inc. is a technology company. It is not a bank, a lender, a loan broker, or a credit repair organization, and it does not approve, deny, price or underwrite any credit product. Every decision belongs to the bank, lender or issuer, under its own criteria and its own licences.

Nothing here is an offer. Rates, payments, limits and terms shown on this site are published information or arithmetic estimates. They are not quotes, not pre-approvals and not offers of credit. Your actual terms depend on the provider's review of your application. See where these numbers come from.

Equal Credit Opportunity Act. The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning Banrox Inc. is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC 20580. More on fair lending.

How Banrox is paid, and why payment cannot change the order of a comparison: Advertiser and Affiliate Disclosure. Full terms: Terms of Service.

Banrox Inc., 40 N Altadena Dr Ste 105, Pasadena, CA 91107. Every legal document is at Legal and Disclosure. To complain to a regulator instead of to us, the addresses are at Complaints and Regulator Contacts. You never have to come to us first.