Every (darn) thing you need to know about LightStream personal loans from $5,000 to $100,000.
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Video Timeline: Every (darn) thing you need to know about LightStream personal loans from $5,000 to $100,000.
00:00 - Is LightStream a legit company?
00:46 - How much can you borrow from LightStream?
01:09 - How long are LightStream personal loans?
01:47 - What is LightStream minimum credit score?
02:21 - What is the LightStream interest rate (APR)?
02:40 - Does LightStream offer APR discounts?
03:09 - Does LightStream charge an origination fee?
03:26 - Does LightStream charge late fees?
03:41 - Does LightStream allow a cosigner?
04:03 - Will LightStream pay off debt when consolidating?
04:40 - What is a LightStream personal loan used for?
05:32 - Summary of LightStream personal loans
06:14 - The most important thing about a personal loan
06:33 - How to shop around for a personal loan
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You may or may not have ever heard of LightStream. They are a financial services technology company that is owned and operated by Truist Bank. Truist bank is found mainly in the eastern United States. These are the states where they have branches. But LightStream offers loans online and so is not bound by Truist’s branch network.
Let’s look at the details of LightStream’s personal loans.
The first thing we are going to look at is how much you can borrow. LightStream doesn’t offer loans less than $5,000, so they aren’t going to be the option for filling a short-term emergency. If you are looking for a more substantial amount of money, LightStream lends up to $100,000. That is about as high as any personal loan.
LightStream’s terms range from 2 to 12 years. Twelve years is the longest term I have seen from the lenders we track. That is a long time to be in debt. But I can understand why you might need a term that long if you are borrowing $100,000. Longer terms means lower monthly payments, but paying more in interest over time. If you can avoid it, you don’t want to be paying interest that long. Whatever the term length, try and make extra principal payments in the first year of your loan. That will save you a lot of money on interest and help you get out of debt faster.
LightStream caters to people with Good-to-Excellent credit. You would probably struggle to get approved if your credit score was not higher than 680. But, that’s just a guideline. In determining your eligibility, LightStream will look at your credit score, but they will also look at other things like your payment history, debt-to-income ratio, utilization, amount and type of income, bank transaction data, and other financial information. Your particular mixture of these factors will determine if you are approved, for how much, and at what rate.
Now let’s look their APRs. LightStream’s lowest APR is 9.39% and their highest is 25.99%. There are a lot of lenders with lower bottom rates, but only a few with lower top rates. So LightStream has a more narrow band than most.