LightStream Reviews

2.6

41 reviews

5
25%
4
0%
3
31%
2
2%
1
42%

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Updated Sep. 27, 2026

By: Amanda Futrell

+1 more

Edited by: Liz Bingler

About LightStream

LightStream is an online lender that helps people get personal loans for major purchases, home remodeling and debt consolidation, among other purposes. It offers competitive rates on loans, and there are no fees or penalties for early payments. LightStream is a division of Truist, a bank formed by the merger of SunTrust Bank and BB&T.

Visit www.lightstream.com

Pros

Competitive rates and terms
Potential for same-day funding
Easy online application
Rate discounts

Cons

$5,000 minimum loan amount
Requires good to excellent credit

LightStream Reviews

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ConnieCherry Hill, NJ

Rates

Reviewed March 15, 2019

Looked up on Lending Tree Saturday morning. Was speaking to LightStream Sunday afternoon. The funds were in my account by Wednesday morning. They offered me a low rate with a reasonable monthly payment and were able to stretch it out for longer than most other banks we looked into. FYI - they do look at all on your credit report, even if it should be gone because it’s been 10 years and your score is high now. They are looking to make sure nothing has been paid late for 5+ years! Website was so simple to upload documents to, very simple process.

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LightStream Company Information

Company Name:: LightStream
Website:: www.lightstream.com