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*AutoPay discount is only available prior to loan funding. Rates without AutoPay are 0.50% points higher. Excellent credit required for lowest rate. Rates range from 7.99% – 24.29% APR w/ AutoPay.

Low rates. Great service. That's Lending Uncomplicated.®

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We'll beat any qualified rate.
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Many lenders claim to have low rates. How many will beat your lowest qualifying rate, from any lender? We will, because we’re truly confident that our rates are always competitive.

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Preserve your assets with the no-fee LightStream loan.

The unsecured LightStream loan requires no appraisals or down payments, and has no pre-payment penalties, home equity requirements or fees.

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We can fund your loan as soon as the day you apply.
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You’re in control of the loan process with LightStream. You choose your funding date, and you can even have funds deposited into your account as soon as the same day you apply.

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Ready for your best loan experience ever?

We’ve reinvented lending, with a virtually paperless online process that’s refreshingly simple. We even guarantee that your LightStream loan will be your best loan experience ever!

It's easy to find your rate

Apply in minutes. Have funds in your account as soon as today.

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Apply online

You will receive a response shortly during business hours.

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Accept loan agreement

Once approved, e-sign your loan agreement and set-up your loan for funding.

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That's it! Use your loan

Receive your funds as soon as today. 2

Lending Uncomplicated

Only from LightStream

*Your loan terms, including APR, may differ based on loan purpose, amount, term length, and your credit profile. Lowest rates require excellent credit. At least 27% of approved applicants applying for the lowest rate qualified for the lowest rate available based on data from 07/01/2024 to 09/30/2024. Rate is quoted with AutoPay discount. AutoPay discount is only available prior to loan funding. Rates without AutoPay are 0.50% points higher. Subject to credit approval. Conditions and limitations apply. Advertised rates and terms are subject to change without notice.

Payment example: Monthly payments for a $ loan at % APR with a term of NaN years would result in monthly payments of $.

Maximum APR for a LightStream loan is %. Loan terms range from 24 - 240 months depending on the loan type.

1LightStream will offer a rate .10 percentage points lower than the rate offered on any competing lender’s unsecured loan provided that you were approved for that lower rate (with the same loan terms offered by LightStream) no later than 2 p.m. Eastern time two business days prior to loan funding. The Rate Beat Program excludes secured or collateralized loan offers from any lender, and the competitive offer must be available to any customer with a similar credit profile. Terms are subject to change at any time. If you believe you have been approved by another lender for a lower qualifying rate, log in to your account and click on “Submit Rate Beat Request” to review your Rate Beat eligibility and upload the required documentation.

2You can fund your loan today if today is a banking business day, your application is approved, and you complete the following steps by 2:30 p.m. Eastern time: (1) review and electronically sign your loan agreement; (2) provide us with your funding preferences and relevant banking information; and (3) complete the final verification process.


Business Hours (Eastern time)

Customer Service

Monday - Friday: 9:30 a.m. to 7 p.m. & Saturday: Noon to 4 p.m.

Saturday: Noon to 4 p.m.

Application Processing

Monday - Friday: 10 a.m. to 6 p.m.


Mailing Address
PO Box 117320
Atlanta, GA 30368-7320

E H L Truist Bank is an Equal Housing Lender. © 2025 Truist Financial Corporation.
Truist, LightStream, and the LightStream logo are service marks of Truist Financial Corporation.
All other trademarks are the property of their respective owners. Lending services provided by Truist Bank.