Adam McCann, Financial Writer
@adam_mcan
You need a minimum credit score of 700 to get a personal loan from LightStream, according to multiple third-party sources. That means a personal loan from LightStream requires at least good credit. Generally, a higher credit score will give you better approval odds for a LightStream loan and will also likely get you better loan terms.
LightStream Loan Requirements and Terms
| Category | Requirements and Terms |
| Minimum Credit Score | 700 |
| Loan Amount | $5,000 - $100,000 |
| Loan Terms | 24 - 144 months |
| Funding Timeline | As soon as the same day you are approved (conditions apply) |
Keep in mind that having a good credit score is not the only requirement for a LightStream personal loan. LightStream will consider your entire financial profile, including things like your income, existing debts, and recent credit inquiries when deciding whether to approve you.
Unfortunately, you can’t pre-qualify for a LightStream personal loan at this time. If you’re unsure of what your current credit score is, you can check it for free on WalletHub
People also ask
LightStream denied me - what should I do?
If LightStream denied you, the first step is to figure out why exactly. That’s easy to do. The letter that LightStream sends after a denial should list the reasons. Reasons that LightStream might deny applicants include too little credit history or too low of a credit score, high amounts of debt, low income, a lot of recent credit inquiries, accounts in collections, or bankruptcy. The letter should also include instructions on how to request a...
read full answer by Adam McCann, Financial WriterHow do you get a personal loan with no credit check?
You can get a personal loan with no credit check if you apply with the right lender. For example, OppLoans and 60MonthLoans are two notable personal loan providers that won't do a credit check when you apply, as they evaluate applicants based on factors such as income and employment status instead.
Personal Loans With No Credit Check
- OppLoans: 160% - 195% APR
- 60MonthLoans: 17.75% - 35.90% APR
- Integra Credit: 99% - 399% APR
It’s important...
read full answer by Adam McCann, Financial WriterAre there any personal loans with guaranteed instant approval?
There are no personal loans with guaranteed instant approval. Many lenders offer the opportunity for near-instant approval, with a decision minutes to hours after they receive the application. But personal loan approval is never guaranteed under any circumstance. All lenders have some sort of requirements for approval, even those that accept people with bad credit. Plus, getting approved for a loan doesn’t mean that the applicant has the funds yet. It’s rare for a lender...
read full answer by Adam McCann, Financial WriterDid we answer your question?
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