While LightStream doesn’t offer a mobile app for loan management, customers can access their account through .Įligibility: LightStream recommends applicants have good to excellent credit before applying for a personal loan. LightStream offers loans in all 50 states plus Washington, D.C., and applicants can contact the lender’s customer support team seven days a week current borrowers have access to customer support from Monday through Saturday. LightStream will beat a competitor’s interest rate by 0.1 percentage point for applicants who meet certain criteria. The lender also offers a 0.50% rate discount for borrowers who enroll in autopay-higher than most lenders with the same perk-as well as a 30-day loan experience guarantee to ensure borrower satisfaction, Covid-19/hardship assistance and a rate-beat program. In addition to offering appealing and flexible terms, LightStream charges no origination, late payment or prepayment fees. Repayment terms are available from two to seven years, making it an excellent option for those who want to spread out the payment of large expenses over time. Although a number of lenders offer smaller loans than the LightStream minimum, few lenders offer a higher maximum loan. Loan amounts vary based on the loan purpose. The platform offers unsecured personal loans from $5,000 to $100,000. LightStream is a consumer lending division of Truist-which formed following the merger of SunTrust Bank and BB&T.
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