Lending Uncomplicated®
It's easy to apply. Low fixed rates from
7.24%—24.89%* APR with AutoPay
*AutoPay discount is only available prior to loan funding. Rates without AutoPay are 0.50% points higher. Excellent credit required for lowest rate. Rates vary by loan purpose.
What do you want to fund?
Our customers love us. Find out why.
Smooth and quick
I applied with Lightstream for a boat loan from my phone and was approved and had the funds in my account the next day. I now own a beautiful boat that I am really enjoying. Thanks Lightstream!
It is all about Customer Service
I have now used LightStream for the financing on two items. I can't believe how quick and easy the application process, closing, funding and completion of all the documents were.
Best loan experience
The entire process was incredibly simple. I applied online and had funds in my account the same day. Best loan experience I've ever had.
It's easy to find your rate
Apply in minutes. Have funds in your account as soon as today.¹
Apply online
You will receive a response shortly during business hours.
Accept loan agreement
Once approved, e-sign your loan agreement and set-up your loan for funding.
That's it! Use your loan
Receive your funds as soon as today and put them to work.
Finally, a loan that rewards your good credit.
Credit history
Several years of credit history with a variety of account types (major credit cards, installment loans, vehicle loans and mortgage debt if applicable).
LightStream only approves good-to-excellent credit profiles.
Credit history
Several years of credit history with a variety of account types (major credit cards, installment loans, vehicle loans and mortgage debt if applicable).
Assets
An ability to save, evidenced by: retirement/investment accounts and liquid assets — including checking and savings accounts, etc.
Income vs Debt
Stable, sufficient income and assets with the ability to repay current debt obligations in addition to any new loan with LightStream.
Payment history
A good payment history with few, if any, delinquencies or other problems repaying debt obligations.
LightStream only approves good-to-excellent credit profiles.
The LightStream experience
Unsolicited customer comments
“You are simply awesome and easy to deal with. The application process was seamless and funding was fast.”
— Nashville, TN
LightStream
awards
Recent honors
Best Personal Loan for Home Improvement
— NerdWallet — 2026
Unsolicited customer comments
“You are simply awesome and easy to deal with. The application process was seamless and funding was fast.”
— Nashville, TN
LightStream
awards
Recent honors
Best Personal Loan for Home Improvement
— NerdWallet — 2026
See ratings