Personal Loans with
No Fees. Ever.
LightStream offers unsecured personal loans from $5,000 to $100,000 at low fixed rates — no origination fees, no prepayment penalties, and same-day funding available.
A Loan for Nearly Any Purpose
From home improvement to debt consolidation — LightStream funds the things that matter most to you, at the lowest rates.
Home Improvement
Renovate, remodel or repair your home with no collateral required.
Auto Purchase
Buy new or used — with no dealer involvement needed.
Debt Consolidation
Combine high-interest debt into one simple monthly payment.
Medical & Dental
Cover out-of-pocket healthcare costs without draining your savings.
Education
Fund tuition, courses, certifications or continuing education goals.
Business Loans
Fund your small business or startup without putting up collateral.
Other Purposes
Whatever you need — personal, family or financial goals — we can help.
Apply in Minutes. Fund the Same Day.
Our streamlined process means you can go from application to funded account in as little as one business day.
Step 1: Apply Online
Complete a fast, paperless application in minutes. No hard credit inquiry to check your rates — just a soft pull.
Step 2: Review Your Offer
Instantly see your personalized rate and loan options. Compare terms from 24 to 144 months.
Step 3: Get Funded
Sign your agreement electronically and receive funds directly in your bank account — often same business day.
🔒 Fixed 9.99% APR — no impact to credit score
The LightStream Difference
We've built our lending experience around you — borrowers with good credit deserve a lender who rewards them.
No Fees, Period
No origination fees, no prepayment penalties, no late fees. What you see is what you pay.
Same-Day Funding
Apply on a banking business day and you could receive funds the same day, directly in your account.
Fixed 9.99% APR
One flat rate for every loan purpose. No variable rates, no tiers — just simple, honest pricing.
Secure & Confidential
All applications are encrypted with 256-bit SSL. Your data is never shared or sold to third parties.
No Collateral Required
All LightStream loans are unsecured — no home equity or vehicle title required as collateral.
Fast Online Application
Complete your application in minutes from any device. No paperwork, no branch visits required.
Flexible Loan Terms
Choose repayment terms from 2 to 10 years to match your budget and financial goals.
Dedicated Support
Our loan specialists are available to help you through every step of your application process.
Our Fixed Rate — 9.99% APR
One transparent rate for every loan purpose. No range, no guessing — just a fixed 9.99% APR with zero fees.
| Loan Purpose | Loan Amount | Fixed APR | Loan Terms |
|---|---|---|---|
| Home Improvement | $5,000 — $100,000 | 9.99% Fixed | 24 — 144 months |
| Auto Purchase | $5,000 — $100,000 | 9.99% Fixed | 24 — 84 months |
| Debt Consolidation | $5,000 — $100,000 | 9.99% Fixed | 24 — 84 months |
| Medical / Dental | $5,000 — $100,000 | 9.99% Fixed | 24 — 84 months |
| Education | $5,000 — $100,000 | 9.99% Fixed | 24 — 84 months |
| Business Purposes | $5,000 — $100,000 | 9.99% Fixed | 24 — 84 months |
| Other Purposes | $5,000 — $100,000 | 9.99% Fixed | 24 — 84 months |
Fixed 9.99% APR for all loan purposes. Your exact rate and terms are confirmed upon approval.
Estimate Your Monthly Payment
Adjust loan amount, rate, and term to see an instant payment estimate before you apply.
One Fixed Rate for Everyone — 9.99% APR
No hidden fees, no variable rates, no surprises. Every LightStream loan comes with a flat 9.99% fixed APR regardless of the loan purpose — so you always know exactly what you'll pay.
Apply Now — Fixed 9.99% APRWhat Our Customers Say
Over 2 million Americans have chosen LightStream. Here's what a few of them have to say.
"LightStream was incredibly fast. I applied in the morning and had the money in my account by that afternoon. No fees, no hassle — I couldn't believe how simple it was."
"I used the Rate Beat Program and LightStream knocked my rate down by 0.10% from a competitor. Saved over $800 over the life of the loan. The process took less than 10 minutes."
"After getting quotes from three other lenders, LightStream offered the lowest rate, zero fees and same-day funding. Truist backing gives me complete peace of mind."
No. LightStream uses a soft credit inquiry to show you pre-qualified rates — this has zero impact on your credit score. A hard inquiry only occurs when you formally submit a final loan application.
LightStream offers personal loans from $5,000 to $100,000 with repayment terms from 24 to 144 months, depending on the loan purpose. All loans carry a fixed 9.99% APR with no fees of any kind.
If you're approved and accept your loan before 2:30 PM ET on a standard banking business day, you can receive your funds the same business day via bank transfer.
No — LightStream charges absolutely no origination fees, no prepayment penalties, no late fees, and no closing costs. The rate you're offered is the full cost of your loan.
LightStream charges a flat fixed APR of 9.99% on all loan types. This rate never changes for the life of your loan, and there are no additional fees of any kind.
LightStream lends to borrowers with good to excellent credit, generally 660+. However, our approval criteria consider the full picture including years of credit history, assets, and debt-to-income ratio.
Yes. LightStream is a licensed online lending platform registered with NMLS (#399803). We operate with full regulatory compliance and use bank-level 256-bit SSL encryption to protect your information. You can reach us at (619) 333-6372 or accounts@lightstreamsloans.org.
Ready to Get Your Best Rate?
Apply today and get a decision in minutes. Same-day funding available. No fees — ever. Backed by the strength of Truist Bank.