LightStream Review

LightStream

4.3

APR range	6.49% – 24.89%
Loan amount	$5,000 – $100,000
Term	2 yrs – 7 yrs
Min credit score	700
Fees	3 fee types
Rating	4.3 / 5

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LightStream is a division of Truist Bank. Rates range from 6.49%-24.89% with 0.50% autopay discount. Actual rate depends on creditworthiness and other factors.

Pros

No origination or prepayment fees
Same-day funding available
Fixed rates (no variable options)
0.50% APR discount with autopay

Cons

Requires excellent credit (700+)
Maximum debt-to-income ratio 55%
Limited to personal use (not business)

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