LightStream

FeaturedPaid

Low-rate personal loans from SunTrust with a Rate Beat Program

About LightStream

LightStream, a division of Truist Bank, offers some of the lowest personal loan rates available with loan amounts from $5,000 to $100,000 and terms up to 12 years. The Rate Beat Program promises to beat any qualifying competitor's rate by 0.10 percentage points. LightStream requires excellent credit but rewards qualified borrowers with no fees, same-day funding, and the ability to borrow for specific purposes like auto purchases, home improvement, and debt consolidation at purpose-specific rates.

What's Great

✓Rate Beat Program guarantees beating competitor rates by 0.10%
✓Among the lowest APRs available for personal loans
✓Loan amounts up to $100,000 with terms up to 12 years
✓No origination fees, prepayment penalties, or other charges
✓Same-day funding for applications completed before 2:30 PM ET

Watch Out For

!Requires excellent credit — not accessible to average borrowers
!No pre-qualification check available to preview rates
!Declining the loan agreement forfeits the Rate Beat offer
!No mobile app for loan management

Common Use Cases

Excellent-credit borrower wanting the absolute lowest personal loan rate

Homeowner financing a large renovation with a long repayment term

Borrower who found a competitive rate elsewhere and wants LightStream to beat it

Pricing Model

Paid

Paid subscription required. Check the website for current pricing and free trials.