LightStream Personal Loan
9.99% to 24.94% APR with AutoPay, $5,000 to $100,000, no fees of any kind, funding as soon as the same day
Rates verified October 14, 2026Check your rateThe Bottom Line
- APR range
- 9.99%-24.94% (verified Oct 14, 2026). All rates and fees
Key facts
- Loan amount: $5,000-$100,000
- Origination fee: None
- Term: 24-240 mo
Pros
- No origination, late or prepayment fees
- Loans up to $100,000, with terms up to 240 months by purpose
- Same-day funding is possible
- Joint applicants are allowed
Cons
- Good-to-excellent credit profiles only
- An application pulls a hard inquiry, and no soft-pull rate check is described
- Rates are 0.50 percentage points higher without AutoPay
- Florida loans carry a documentary stamp tax
At a glance
Rates verified October 14, 2026- APR range
- 9.99%-24.94%
- APR basis
- With AutoPay; 0.50 percentage points higher without it (maximum 25.44%). Rates vary by loan purpose.
- Loan amounts
- $5,000-$100,000
- Terms
- 24-240 months. Terms up to 240 months depend on the loan type.
- Origination fee
- None. No origination, late or prepayment fees. Florida loans carry a documentary stamp tax.
- Funding speed
- As soon as the same day if you finish signing and verification by 2:30 p.m. Eastern on a banking business day
- Prepayment penalty
- None
- Rate discounts
- 0.50 percentage point AutoPay discount, which must be set before funding; a Rate Beat program undercuts a competing unsecured offer by 0.10 percentage points
- Joint applicants
- Allowed
- Eligibility
- Good-to-excellent credit profiles only
- State restrictions
- Florida loans carry a documentary stamp tax. LightStream says it serves customers across all 50 states.
- Lender
- Truist Bank
Sources: lightstream.com, truist.com/loans/personal-loans/unsecured-perso…, read October 14, 2026
Read before you apply
- Only good-to-excellent credit profiles are approved, and a high FICO score does not guarantee approval.
- The 9.99% floor and 24.94% ceiling include a 0.50 percentage point AutoPay discount that must be set before funding. The highest APR without it is 25.44%.
- Applying involves a hard inquiry, and LightStream describes no soft-pull rate check.
- Florida loans carry a documentary stamp tax of slightly more than 0.35% of the loan amount, added to the loan.
Where these numbers come from
Read on the lender's own pages on October 14, 2026. Your offer can differ: the lender sets your APR and fee when you apply.
Is it worth it?
$1,614 to $4,302 in interest and fees on $10,000 over 36 months
To receive $10,000 and repay it over 36 months, the lowest published APR (9.99%) works out to about $323 a month and $1,614 in total interest and fees. At the highest (24.94%) it is about $397 a month and $4,302. The gap between the two is $2,688, so the rate you are actually offered matters more than the headline. Estimated from the published APR range, which already includes any origination fee. The lowest rates are reserved for the best-qualified borrowers.
What is LightStream Personal Loan?
LightStream, Truist's online lending arm, prices for borrowers with strong credit and charges no fees at all. Its published APRs run from 9.99% to 24.94% with AutoPay, rates are 0.50 percentage points higher without AutoPay, and the highest APR on any LightStream loan is 25.44%. There are no origination fees, no late fees and no prepayment fees, and loans run from $5,000 to $100,000.
The rate depends on what you borrow for. LightStream says rates vary by loan purpose, terms run from 24 to 240 months depending on the loan type, and the lowest rates require excellent credit: its page says at least 33% of approved applicants applying for the lowest rate received it, based on data from April to June 2026. It approves only good-to-excellent credit profiles, and a Rate Beat program offers to undercut a competing unsecured offer by 0.10 percentage points under stated conditions.
Funding can be the same day if you finish signing and verification by 2:30 p.m. Eastern on a banking business day. Joint applicants are allowed. LightStream's FAQ says an application pulls a hard inquiry, and its pages describe no soft-pull rate check, so use the rate calculator for an estimate before you apply. Florida loans carry a documentary stamp tax of slightly more than 0.35% of the loan amount, added to the loan.
Key details
APR 9.99% to 24.94% with AutoPayLoans from $5,000 to $100,000Terms from 24 to 240 months by loan purposeNo origination, late or prepayment feesFunding as soon as the same dayJoint applicants allowed
Explore more
LightStream Personal Loan FAQ
What APR does LightStream charge?
LightStream states APRs from 9.99% to 24.94% with AutoPay, across all loan purposes. Rates are 0.50 percentage points higher without AutoPay, and the maximum APR for a LightStream loan is 25.44%.
Does LightStream charge fees?
No. LightStream says there are no origination fees, no late fees and no prepayment fees. Florida loans also carry a documentary stamp tax of slightly more than 0.35% of the loan amount, which is added to the loan.
How fast can LightStream fund a loan?
As soon as the same day if you finish signing, funding preferences and verification by 2:30 p.m. Eastern on a banking business day. Funds must be transferred within 5 days of approval.
What credit does LightStream require?
LightStream says it approves only good-to-excellent credit profiles and that the lowest rates require excellent credit. A high FICO score does not guarantee approval, and no minimum score is published.
Source: lightstream.com