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<h2>Final Thoughts</h2>
<p>LightStream contributed to pioneering online lending back in 2005. The platform is supported by SunTrust banks which have 125 years of experience in the industry. The marketplace is user-friendly and a great source for people with stellar credit scores who need a source of funding immediately. The competitive APRs and flexible terms and loan purposes make it an incredibly attractive option for borrowers.</p>
<p>&nbsp;</p>


<h2>Company Overview</h2>
<p>LightStream provides access to unsecured personal loans amounting to up to $100,000, an amount higher than what most lenders typically offer. APRs vary depending on the purpose of the loan in addition to the borrower’s financial profile, but the limitations on the purposes are few. Their flexible terms and low APR are highly attractive but they are only offered to individuals with stellar credit scores.</p>
<p><img loading="lazy" class="aligncenter size-full wp-image-46839" src="https://tower.topfundings.com/wp-content/uploads/2023/10/Image-for-lightstream-review.jpg" alt="Image-for-lightstream-review" width="600" height="400" srcset="https://tower.topfundings.com/wp-content/uploads/2023/10/Image-for-lightstream-review.jpg 600w, https://tower.topfundings.com/wp-content/uploads/2023/10/Image-for-lightstream-review-768x512.jpg 768w" sizes="(max-width: 600px) 100vw, 600px" /></p>
<h2>LightStream’s Customers &amp; Loans Available</h2>
<p>LightStream offers flexible terms and appealing APRs plus a fast application and approval process with borrowers receiving funds within the same day of approval. This makes LightStream an incredibly attractive choice to borrowers but these rates are only available to those with excellent credit scores.</p>
<p>The proprietary technology and innovative service from LightStream is a reward for borrowers who have built up a great credit history, giving them access to competitive and fixed-rate options. LightStream is also a great choice for individuals who want to borrow large amounts that most lenders do not offer.</p>


Cons

<div class="buttono-wrapper" style="max-width:98%;" data-partner-icon="https://tower.topfundings.com/wp-content/uploads/2022/06/LightStream-logo.svg" data-partner-contact_number="" data-partner-real_tel="" data-partner-link="https://www.credible.com/personal-loan/lp/lightstream?utm_source=topfundings&utm_medium=referral&utm_campaign=pl_ls&preferred_lender=lightstream_pl&utm_content=" data-partner-offer_name="light" data-partner-offer_link="" data-partner-total_votes="" data-partner-title="Fast and easy same-day loans" data-partner-editor_choice_text_desktop="" data-partner-mobile_icon="https://tower.topfundings.com/wp-content/uploads/2022/06/LightStream-logo.svg" data-partner-mobile_title="APR: 7.49% - 25.49%" data-partner-editor_choice_text_mobile="" data-partner-slide_down_thumbnail="https://tower.topfundings.com/wp-content/uploads/2022/03/Img-for-light-stream-review.jpg" data-partner-slide_down_title="No initial or prepayment fees" data-partner-slide_down_read_review="https://topfundings.com/lightstream-review/" data-partner-conversion_label="yqy1CMzLl7QDEN-TosQo" data-partner-under button text="Powered by Credible" data-partner-adoric_event="" data-partner-partner_id="139" data-partner-caption="" data-partner-number_of_reviews="" data-partner-partner_name="Light Stream " data-partner-facebook_ad_event_name=""  data-style-params="backgroundColor=%23f5f5f5&buttonHoverColor=%23154b9b&borderColor=%23f5f5f5&textColor=%232d2d2d&buttonColor=%23ffffff&buttonBackgroundColor=%23185ac4" offer-id="" data-promote-image-src="https://tp1-website.s3-website-eu-west-1.amazonaws.com/?page_id=15834" data-logo-src="https://tower.topfundings.com/wp-content/uploads/2022/06/LightStream-logo.svg" data-promote-text="Allows to borrow up to $100,000" data-button-text="Get Rate " data-partner-link="https://www.credible.com/personal-loan/lp/lightstream?utm_source=topfundings&utm_medium=referral&utm_campaign=pl_ls&preferred_lender=lightstream_pl&utm_content="><meta name="viewport" content="width=device-width, initial-scale=1" ><meta data-type="partner" ><div class="background-wrapper" style="background:#f5f5f5""><div class="border-wrapper" style="border-color:#f5f5f5"> <div id=66a3713ecdd19 class="buttono-content" ><div class='buttono-logo__container'><a href='https://www.credible.com/personal-loan/lp/lightstream?utm_source=topfundings&utm_medium=referral&utm_campaign=pl_ls&preferred_lender=lightstream_pl&utm_content=' target='_blank'><img src='https://tower.topfundings.com/wp-content/uploads/2022/06/LightStream-logo.svg' class='buttono-logo' style='width:50px; height:44px;'></a></div> <div class="main-content"><div class='col-md-6'><a href='https://www.credible.com/personal-loan/lp/lightstream?utm_source=topfundings&utm_medium=referral&utm_campaign=pl_ls&preferred_lender=lightstream_pl&utm_content=' target='_blank' class='buttono-promote-text__container'><p class='buttono-promote-text' style='color:#2d2d2d'>Allows to borrow up to $100,000</p></a></div><div class='buttono-link-container'><a href='https://www.credible.com/personal-loan/lp/lightstream?utm_source=topfundings&utm_medium=referral&utm_campaign=pl_ls&preferred_lender=lightstream_pl&utm_content=' target='_blank' style='background-color: #185ac4; color: #ffffff ' class='buttono-link'  > Get Rate </a></div></div></div><a href='https://www.credible.com/personal-loan/lp/lightstream?utm_source=topfundings&utm_medium=referral&utm_campaign=pl_ls&preferred_lender=lightstream_pl&utm_content=' target='_blank'><img class='buttono-image' src=https://tp1-website.s3-website-eu-west-1.amazonaws.com/?page_id=15834></div></a></div></div>
<h2>Features</h2>
<p>LightStream offers its services for free. There are no application fees, origination fees, or penalties for early prepayment. You can also make additional payments in order to pay off the loan earlier without incurring extra charges. Their maximum amount for personal loans is set to $100,000. This is a great option for people who have emergencies or large purchases to cover. A LightStream loan can cover your needs without the need to find additional funds.</p>
<p>LightStream does ask for the purpose of the loan but the funds will not be limited for that use only since there are only a few restrictions. The platform has loans for education (pre-K to 12), home improvement, boat financing, debt consolidation, timeshare financing, and more. The whole application and approval process is simple and can be completed quickly so you can get access to the funding immediately.</p>
<p>LightStream takes pride that the rates they offer are difficult to beat. For example, its Rate Beat Program mentions that LightStream will beat other lenders’ APR by 0.10 percentage points. The loan pages on its website display a range of rates and possible monthly payments based on the loan amount and terms. The information is available even before borrowers submit their information so they can avoid unpleasant surprises. If you are not completely satisfied after receiving your loan, LightStream promises to send $100.</p>
<h3>Application Procedure</h3>
<p>The application process with LightStream is all online which makes it fast and simple. There is a series of loan questions with guides asking for these types of information:</p>
<ul>
<li>Personal information</li>
<li>Amount you want to borrow</li>
<li>Purpose of the loan</li>
<li>Current income and/or assets</li>
</ul>
<p>Once your application is approved, you just need to sign and send it to the lender to set up the loan. You can get the funds within the same day too.</p>


APR: 7.49% - 25.49%

No initial or prepayment fees

Fast and easy same-day loans

LightStream

Pros

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