Get started with a simple application to see your payment options with no impact to your credit score.
Select the best loan terms and monthly payment for you and provide some additional information to complete your application.
If approved, the funds could be in your account as soon as the next business day.
Apply for a personal loan
Easy to use and navigate
Monitor your credit score
LightStream believes you are so much more than numbers on papers or filled-in form fields. That’s why we’ve spent years perfecting a proprietary smart technology that, in seconds, can paint a more complete picture of you. A picture that unlocks your perfect loan solution and all the possibilities that come with it.
Personal loans from $1,000 to $36,500 with flexible financing options and rates ranging from 7.99% to 35.99% APR, with terms from 24 to 72 months.
LightStream is a provider of unsecured personal loans for consumers serving FICO® scores. Through proprietary technology and algorithms, we’re driving a better lending and borrowing experience by finding more reasons to say “yes.” After serving hundreds of thousands of consumers, we’ve expanded into small business, and merchant point-of-sale lending solutions to further unlock access to affordable loans.
LightStream takes extensive precautions to protect your personal information. We use robust industry-leading procedures and safeguards, including encryption, to secure and protect your personal information. Further information regarding LightStream’s security policies and procedures can be found here: Terms of Use
Providing your basic information to view loan options does not impact your credit score. To determine how much you could qualify for, we conduct a “soft pull” of your credit. If you select a loan option and continue your application, we require a “hard inquiry” to verify the information you’ve provided on the application for final loan approval. This “hard inquiry” will be seen as an inquiry on your credit report.
To be eligible for a LightStream loan, you must:
Be 18 years or older
Be able to provide a U.S federal, state, or local government-issued photo ID
Have a social security number
Have a verifiable personal banking account in your name
Our personal loans range from $1,000 to $50,000. The loan amount you may be approved for depends upon your individual credit profile and the information you provide during the application process. The maximum loan amount offered is based upon what is believed to be affordable for you. We take several factors into consideration including your current DTI (debt-to-income ratio) and PTI (payment-to-income ratio).
If we request additional documentation to complete your application, you’ll be notified of a decision within one to three business days once the information is received. You can check the status of your application by calling Customer Support
If your application was turned down, you’ll receive an email regarding the decision, including how to get a statement of specific reasons.
