LightStream Loan contacts, repayment and review


LightStream Overview

  Borrower Averages
Credit Score 720 and above
Credit History At least 5 years with diverse credit (credit cards, mortgage, car loan)
Payments History of positive payments

LightStream is an online lending division of the SunTrust Bank that offers fixed competitive rates and flexible terms on loans from $5,000 to $100,000. This amount can be fast delivered directly to your bank account, often as soon as the same business day.

LightStream’s unique lending model has rates that are dependent on the purpose of the loan. For example, a loan to consolidate debt is considered a higher risk than a loan to purchase a car. LightStream’s rate will reflect that. No other online lender tailors their rates to how borrowers use their loan

Also see: Chase Bank Promo Codes

LightStream customers have several years of credit history with a variety of account types, such as major credit cards and vehicle loans (installment debt). They have an ability to save, which shows in their liquid assets, cash down payments on real estate, retirement savings, and manageable revolving credit debt. These borrowers have stable and sufficient income and assets to repay their current debt obligations and any new loan with LightStream. Lastly, these customers have a good payment history with few, if any, delinquencies.

  • No collateral is required. Don’t own a house? It’s not going to be an issue here.
  • Simple application process. Just head over to LightStream’s website and apply online.
  • Joint applications. LightStream welcomes cosigners for every loan type and allows one party to have a credit score lower than its minimum requirement.
  • No origination fee. There’s no “middleman” fee, and you will receive the full amount of your loan.
  • Quick funding. You can get funds in your account as soon as today if approved.
  • Flexible fund use. A personal loan through the LightStream can be used for an auto purchase, home remodels, debt consolidation, timeshare, medical or wedding expenses, and more!
  • Competitive fixed rate. With good to excellent credit, your APR could be fairly low, and that won’t budge for the whole duration of your loan term.
  • Lowest rate guarantee. LightStream is so confident in the competitiveness of their interest rates, and they will beat any APR presented by other lenders by 0.10 percentage points, given similar terms and conditions.
  • No fees. There are no prepayment fees or late fees.
  • $100 loan experience guarantee. If you received a loan from LightStream and you were not completely satisfied with your experience, please contact their customer service. You’ll have a chance to complete a questionnaire so LightStream can improve its services. Submit your response before the 30-day time limit, and $100 is yours to keep!
  • Your loan plants a tree. LightStream has teamed up with American Forests, the oldest conservation organization in the United States, and pledged to donate a tree for every funded loan.

All applicants must have a minimum credit score of 660. There is no minimum annual income requirement and no debt-to-income ratio requirement.

LightStream Terms & Fees

Loan Amounts $5,000 – $100,000
Loan Terms 2 to 7 years
*Payment example: A Monthly payment for a $10,000 loan at 5.89% APR with a repayment term of 3 years would result in 36 monthly payments of $303.72.
Repayment Options Monthly
Origination None
APR *See website for current rates
Prepayment None
Late Payment None

LightStream contacts

Phone number: 702.486.3132

Contact form here.


LightStream gives creditworthy borrowers an exceptional loan experience, and they’re willing to compensate if it doesn’t meet your expectations. With good to excellent credit, you can take advantage of LightStream’s extremely competitive rates for loans that you can use for just about any purpose. Loan amounts and repayment terms are among the highest and longest compared to other online lenders. Cosigners are welcome, and there are no origination, prepayment, or late fees. LightStream will even plant a tree when you get a loan!

However, LightStream’s low rates are only available to borrowers with good to excellent credit, good jobs, and substantial savings. Also, there’s no face-to-face service, as LightStream is online only.

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