Published APR9.99% – 25.44%A range, not your rate
Loan amount$5,000 – $100,000May vary by state
Repayment term36 months – 84 monthsLonger terms cost more overall
Origination fee0.00%Usually taken from the loan
Conditions and limitations
LightStream is a division of Truist Bank. Rates are quoted with the AutoPay discount; without AutoPay they are 0.50% points higher. The lowest APR shown is the published rate for a $10,000 credit card or debt consolidation loan (9.99% to 22.44% APR, 36 to 84 months); the maximum APR for any LightStream loan is 25.44%. LightStream lists no fees and no prepayment penalties. Lowest rates require excellent credit.
Eligibility
- Minimum credit score
- Not disclosed
- Direct pay to creditors
- Not disclosed
- Co-applicant
- Not disclosed
- Autopay discount
- 0.50% (rates without AutoPay are 0.50% points higher)
- Late fee
- Not disclosed
- Prepayment penalty
- None
- State availability
- Not disclosed
From the provider’s official pages. Not disclosed means the pages we checked do not state it; ask the provider.
Sources and verification
Terms checked Nov 3, 2026Source status: reviewed
A successful source check does not renew the financial terms. This is a factual product summary, not an endorsement or personalized offer. No affiliate tracking link is used.
