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LightStream Unsecured Personal Loan

About LightStream Personal Loans

The LightStream Unsecured Personal Loan from LightStream is one of the top-rated Personal Loans options evaluated on MoneyCompared, earning an overall product score of 9.5/10. LightStream, the national online lending division of Truist Bank, offers unsecured Personal Loans and Auto Loans from $5,000 to $100,000 with zero origination fees, same-day funding, and its famous Rate Beat Program that beats any qualifying competitor APR by 0.10 percentage points.
Key highlights include 6.99% - 25.49% Fixed APR (with AutoPay), a fee structure of $0 Origination, Late & Prepayment Fees, and Rate Beat Program (-0.10% below competing offers) + $100 Experience Guarantee.

Features

Annual Fee	$0 Origination, Late & Prepayment Fees
Regular APR / Rate	6.99% - 25.49% Fixed APR (with AutoPay)
Intro Offer / Welcome Bonus	Rate Beat Program (-0.10% below competing offers) + $100 Experience Guarantee
Savings APY / AER	Same-day funding up to $100,000
Minimum Deposit	$5,000 - $100,000 Loan Amounts
Foreign Transaction Fee	$0 (None)
Deposit Insurance	FDIC / NCUA Insured ($250k+)
Mobile App Rating	4.8 / 5.0
Overall Rating	9.5 / 10

About Product

Annual / Monthly Fee: $0 Origination, Late & Prepayment Fees
APR / APY Rate: 6.99% - 25.49% Fixed APR (with AutoPay)
Intro Offer / Bonus: Rate Beat Program (-0.10% below competing offers) + $100 Experience Guarantee
Key Benefits: Same-day funding up to $100,000
Minimum Requirement: $5,000 - $100,000 Loan Amounts
Institution: LightStream (Charlotte, NC, USA)

Pros

Rate / APY / APR: 6.99% - 25.49% Fixed APR (with AutoPay)
Fee Structure: $0 Origination, Late & Prepayment Fees
Welcome Offer / Highlight: Rate Beat Program (-0.10% below competing offers) + $100 Experience Guarantee
Key Perks: Same-day funding up to $100,000

Cons