Frequently Asked Questions

You can apply online in minutes. Have your personal information, income details, and banking information ready. Soft credit inquiries may be used to show rates; a hard pull typically occurs when you proceed with a full application.

Rates vary based on your credit profile, loan purpose, amount, and term. Lowest rates require excellent credit and typically include an AutoPay discount. Rates without AutoPay are 0.50% points higher.

You can fund your loan as soon as today if today is a banking business day, your application is approved, and you complete signing, funding preferences, and verification by 2:30 p.m. Eastern time.

Loans can be used for practically anything — auto, home improvement, debt consolidation, recreation, weddings, and more. Proceeds may not be used to refinance an existing LightStream loan.

You can set up AutoPay for a rate discount, or pay via invoice. Manage your loan online after signing in to your customer account.