LightStream uses Truist Bank to fund personal loans. The company offers loans of $5,000 - $100,000 with APRs of 7.99% - 25.99%, depending on an applicant’s creditworthiness, and gives borrowers 24 - 84 months to repay their loans. You will need a credit score of 660+ to qualify.
Key Things to Know About LightStream Personal Loans
LightStream lets you refinance car loans, boat loans, timeshares, credit card debt and more. Each of these categories has its own APR range, and the APRs run from 3.99% to 17.29% overall. LightStream also offers general “debt consolidation” loans for refinancing debts that don’t fit into any of those categories. But keep in mind that refinancing any type of debt is only worth it for people who qualify for a lower APR than the one...
Applicants need a credit score of 660 to get a personal loan from LightStream, according to multiple third-party sources. That means the LightStream personal loan credit score requirement is in the fair credit range. To put this in perspective, most other lenders' credit score requirements for personal loans range between 585 and 700.
Keep in mind that just having a 660 credit score is not enough to qualify you for a LightStream personal loan....
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