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
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.