LightStream Personal Loan
LightStream
4.5
7.99%–25.99% APR$5,000–$100,000Fee: NoneMin credit: 660+
APR Range
7.99%–25.99%
Loan Amount
$5,000–$100,000
Term
24–84 mo
Origination Fee
None
Our take
LightStream offers some of the lowest APRs available with same-day funding and zero fees. Ideal for well-qualified borrowers.
Pros and cons
Pros
- +Low APR for qualified borrowers
- +Low APR for qualified borrowers
- +Same-day funding
- +Same-day funding
- +No fees
- +No fees
Cons
- −Higher credit required
- −Higher credit required
- −No prequalification
- −No prequalification
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Full details
| Minimum loan amount | $5,000 |
| Maximum loan amount | $100,000 |
| Lowest APR | 7.99% |
| Highest APR | 25.99% |
| Shortest term | 24 months |
| Longest term | 84 months |
| Origination fee | None |
| Minimum credit score | 660+ |
| Funding speed | Same day |
Frequently asked questions
What is the APR range for LightStream Personal Loan?
LightStream Personal Loan offers APR from 7.99% to 25.99%. Your actual rate depends on creditworthiness, loan amount, and term length.
How much can I borrow with LightStream Personal Loan?
Loan amounts range from $5,000 to $100,000. The amount you qualify for depends on your income, credit score, and existing debt.
What credit score do I need for LightStream Personal Loan?
A minimum credit score of 660 is typically required. However, meeting the minimum doesn't guarantee approval — lenders also consider income, debt-to-income ratio, and employment history.
Does LightStream Personal Loan charge an origination fee?
No, LightStream Personal Loan does not charge an origination fee, which means 100% of your approved loan amount is disbursed to you.
How fast can I get funded with LightStream Personal Loan?
LightStream Personal Loan typically funds loans within Same day. Actual funding time may vary based on verification requirements and your bank.
Is LightStream Personal Loan worth it?
LightStream offers some of the lowest APRs available with same-day funding and zero fees. Ideal for well-qualified borrowers.
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Verified Apr 2026
LightStream Personal Loan