Lightstream is an online personal loan consumer lending division by SunTrust bank. Unlike all the other online lending companies, SunTrust Lightstream offers fixed rate with autopay and low-interest APR. Peer-to-peer Online lending facilities.

So, you can apply right way by clicking – apply now.



Apply Today and participate in Loan Experience Guarantee Survey to receive $100 or more cash gifts.

Lightstream Personal Loan Ratings

Rating is based on personal loans consumer reviews and feedbacks.

Lightstream Ratings:

Customer Rating: 3 and half star rating

Rating Score: 4 out of 5 rating

PLI Rating: 7 / 10

NW Rating: 4.0 / 5.0

CK Rating: 5.0/ 5.0

BBB Rating: A+

Reasons To Consider

Let’s get started for the application process. Starting from the application process to funding availability.

What makes it different better than others and why:

Savings, low rates, Installment loans, Auto payment process.

LightStream loan suitable for applicants with:

  • Credit score above 660. Lightstream personal loan minimum credit requirement is 660.
  • Minimum 7 years of credit history. with a variety of credit accounts and record of on time payments.
  • Regular Income and other assets. Prove of savings even after the loan payments every month.
  • A co-signer for the loan. SunTrust Lightstream takes joint applications for every personal loan and allows one party to have a credit score lower than the minimum.

Lightstream Loan Rates and Terms

Lightstream Personal Loan
Loan Amount Min. $5,000, Max. $100,000.
APR Rates 3.09% – 14.24% APR (autopay), 3.59% – 14.74% (without autopay).
Processing Fees No Application Process Fee.
Loan Approval Time Most of the time within same day.
Fund Release Same day after approval.
Repayments Terms 2 to 7 years.
Soft credit check? In some cases.
Minimum Qualification
  • Minimum credit score requirement: 660.
  • Minimum credit history: 7 years.
  • Minimum annual income: Not required.
  • No debt-to-income ratio: 0%.


Extra  Autopay option, EMI, flexible options for payments.
Legal States  All.

Lightstream Financing – How to Apply

Lightstream loan application process. You can apply for a loan online from SunTrust’s Lightsream division website. You can apply as an individual or joint applicant. An extra advantage of one with low credit score when applying with co-signer. You will require to provide education and employment supporting documents and credit history.

Personal Loan Comparison

Not sure either Lightstream is the perfect match more you. Why not compare loans and find the perfect match for you. Before you apply for a SunTrust personal loan lets look at the other lending offers and benefits. Loan comparison tool can be the right option to find the best loan for you. Just a click and find your finance partner now.

Lightstream Amortization Schedule Calculator

Getting Lightstream loans is always been easy. Make a plan using amortization Schedule to find your EMI payments using the personal loan calculator. Find your interest rates for every month, and due balance till the end of the loan. Get a copy of loan estimation at your mailbox.

Personal Loan Interest Rates Comparison

Planning to apply for a personal loan. But first, compare the market loans rates. Have the benefit of extra savings from your loan.

LightStream Personal loan Rates: 3.59% to 14.24%

SoFi Personal loan Rates: 6% to 15%

LendingClub Personal loan Rates: 5.99% to 35.89%

Suntrust Consumer Loans – Lightstream

LightStream starting no fees when applying for a personal loan. Competitive interest rates make it the right choice for borrowers. These two variables make it an affordable loan. But, before everything are you qualify to apply for the loan?

Based on SunTrust LightStream, you can apply for a loan and the purpose can be “practically anything”. A checklist of loan purposes accepted by LightStream:

  • Debt consolidation
  • Adoption
  • Auto Loan
  • Medical Emergencies
  • Home improvements
  • IVF/Fertility treatments
  • K-12 education
  • Medical bills
  • Recreation
  • Vacation
  • Kitchen and bath remodeling
  • Swimming Pool
  • Boats
  • RVs
  • Timeshares
  • Tiny homes
  • Weddings

The list of ways you can use a LightStream loan for any personal finance need. However, there are few other purposes that your loan can be rejected. Where you can not use Lightstream personal loan.

  • Post-secondary education expense.
  • Commercial Vehicle.
  • Business.
  • Any other illegal works not permitted by the US government.

Lightstream – The Rate Beat Program

The reasons to choose Lightstream as your personal finance partner is the rate beat program. They will beat APR of competitor rates by 0.10%. You will be only considered for this offer when you can show proof that you have been approved by a lender for a lower rate. Meet LightStream eligibility criteria.

The terms and conditions for the Rate Beat program:

  • The lower interest rate you find with another lender cannot be because of an employee discount offer or any other special offer only available for certain customers.
  • The lower rate can’t be through any rate-subsidized programs.
  • The lower rate you get from the competitor lender must specify that has the loan amount is same, same loan term, and loan purpose.
  • You must show proof that the other lender is willing to give you a lower rate by 2 p.m. EST. On the business day before your loan is funded.

Would you like to review some of the other lenders with extra benefits and loan features? have a look at our section Personal Loan Comparison.  This way you can have documentation proving you got a lower rate elsewhere ready and waiting to show LightStream personal loan.

SunTrust – Loan Experience Guarantee

The next loan feature that LightStream has is the Loan Experience Guarantee. If  unsatisfied with the loan process. SunTrust will give you extra $100 for completing a satisfaction survey. Within 30 days of receiving your personal loan funds.