About LightStream
LightStream is an online lender that provides unsecured, personal loans to borrowers with good credit ratings.
LightStream loans have zero fees, and there is a discount for autopayments. Their Rate Beat Program is competitive, however, they do not offer direct payment to creditors for consolidation loans.
Overview
Interest rate: 4.99-19.99%
Loan terms: 84 months
Loan amounts: $1,000 to $100,000
Years in Business – Since 2012
BBB Rating – A+
Editorial Rating
Fair
“Online personal loans for borrowers with good credit. Includes a rate beat program but cannot direct payments to creditors for consolidation loans.“
Benefits and Features
Minimum credit score: 660
No origination fees
Long repayment term
Rate discount for autopay
Available in all 50 states
Online application and approval
Pros
- No origination fees
- Competitive rates among online lenders
- Offers 0.5 percentage point rate discount for setting up autopay
- Special features including rate beat program and satisfaction guarantee
Cons
- No option to pre-qualify on its website
- No option to change payment due date
- Requires several years of credit history
- Doesn’t offer direct payment to creditors with debt consolidation loans
- Low Trustpilot rating
TrustedCompanyReviews.com is not a provider of debt consolidation or resolution. Ratings that appear on this site are determined by our subjective opinion and are based on an analysis that aggregates a company’s reputation, services, general consumer interest, fees and features. Listings that appear on this site are not endorsements.
TrustedCompanyReviews.com is not a provider of debt consolidation or resolution. Ratings that appear on this site are determined by our subjective opinion and are based on an analysis that aggregates a company’s reputation, services, general consumer interest, fees and features. Listings that appear on this site are not endorsements.
