Lending Uncomplicated®
It's easy to apply. Low fixed rates from
¹AutoPay discount is only available prior to loan funding. Rates without AutoPay are 0.50% higher. Subject to credit approval. Conditions and limitations apply. Rates offered are not guaranteed and are subject to change.See Rates & Terms for more information.
Our customers love us. Find out why.
"Smooth and quick"
I applied with LightStream for a boat loan from my phone and was approved and had the funds in my account the next day. I now own a beautiful boat that I am really enjoying. Thanks Lightstream!
— Bay Area, CA
"It is all about Customer Service"
I have now used LightStream for the financing on two items. I can't believe how quick and easy the application process, closing, funding and completion of all the documents were.
— Navasota, TX
"Nice to be rewarded!"
It's nice to have a loan company that will reward and trust you for having good credit. The loan process was easy and safe, with great rates and no early payoff penalties. Will use them again on my next project.
— Lee's Summit, MO
It's easy to find your rate
Apply in minutes. Have funds in your account as soon as today.¹
Apply online
You will receive a response shortly during business hours.
Accept loan agreement
Once approved, e-sign your loan agreement and set up your loan for funding.
That's it! Use your loan
Receive your funds as soon as today.¹
Finally, a loan that rewards your good credit.
When your home back record of financial responsibility speaks for itself, you shouldn't have to jump through hoops to get the loan you need.
Credit history
Several years of credit history with a variety of account types, including credit cards, installment loans, or mortgages.
Assets
An ability to save, evidenced by retirement/investment accounts and liquid assets, or sufficient home equity.
Income vs Debt
Stable, sufficient income and assets with the ability to repay current debt obligations and take on additional debt.
Payment history
A good payment history with few, if any, delinquencies or other problems repaying debt obligations.
LightStream only approves good to excellent credit profiles.
Learn MoreThe LightStream experience
Unsolicited customer comments
"you are simply awesome and easy to deal with. I thank you so very much for making a dream come true."
— D. C., Coupeville, WA
"The process was incredibly smooth and the customer service was outstanding."
— J. M., Austin, TX
"LightStream made my home improvement project possible with their excellent rates and service."
— S. R., Denver, CO
Recent honors
Best Personal Loan for home improvement
— NerdWallet – 2023
Top Rated Personal Loan Provider
— Bankrate – 2023
Best Customer Service
— LendingTree – 2023
Lending Uncomplicated®
Only from LightStream by Truist