LightStream: facts and offers

Updated September 28, 2026 · BorrowCue Editorial Team

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Key facts

Term
24 to 240 months (Source, checked September 26, 2026)
Arrangement fee
0 (Source, checked September 26, 2026)
Funding time
As soon as today, if approved and steps completed by 2:30 p.m. Eastern time on a banking business day (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
Good-to-excellent credit only, with several years of credit history and stable sufficient income and assets (Source, checked September 26, 2026)
Origination fee (%)
0% (Source, checked September 26, 2026)
Loan types
Personal (Source, checked September 26, 2026)
Credit needed
Good (Source, checked September 26, 2026)
Legal entity
Truist Bank (Source, checked September 26, 2026)
Headquarters
United States (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Same-day funding
Official website
lightstream.com

How LightStream compares

Where LightStream is available

Available
United States

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

Which company operates LightStream?+

LightStream is operated by Truist Bank. (Source, checked September 26, 2026)

Where is LightStream based?+

LightStream is based in United States. (Source, checked September 26, 2026)

Sources

  • lightstream.com checked September 26, 2026

    Backs: Credit needed, Eligibility, Free early repayment, Headquarters, Legal entity, Lender type, Loan types

    “LightStream only approves good-to-excellent credit profiles.”

  • lightstream.com/disclosures checked September 26, 2026

    Backs: Features, Funding time, Term

    “You can fund your loan today if today is a banking business day”

  • lightstream.com/rates checked September 26, 2026

    Backs: Pricing model, Arrangement fee, Origination fee (%), Rate type

    “Fixed rate, simple interest fully amortizing installment loans”

Compiled from 3 source pages, checked September 28, 2026. We did not open an account.

Not confirmed yet: APR, Loan amount, Credit check, Representative example.

LightStream

LightStream

9.4/10See alternatives

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