LightStream

LightStream, the online consumer lending division of Truist Bank (formed by the merger of SunTrust and BB&T), has established itself as a premier destination for borrowers with excellent credit seeking personal loans with exceptional terms. Unlike many competitors that focus on average or fair credit borrowers, LightStream specifically caters to consumers with strong credit histories, rewarding them with some of the industry's most competitive rates and a remarkably streamlined borrowing experience.

What truly sets LightStream apart in the crowded personal loan marketplace is their unique combination of low rates, zero fees, and rapid funding. They've eliminated virtually all of the common fees typically associated with personal loans—no origination fees, no application fees, no prepayment penalties, and no late fees. Their Rate Beat Program even guarantees to beat any qualifying rate offered by another lender by 0.10 percentage points. For qualified borrowers, the application process is entirely online, with decisions often provided the same day and funding available as quickly as the same business day—a level of speed rarely matched by traditional bank lenders.

LightStream offers a diverse range of personal loan options to cover almost any major expense, including home improvements, debt consolidation, medical expenses, major purchases, and even used auto purchases. Loan amounts range from $5,000 to $100,000 with terms from 24 to 144 months, giving borrowers flexibility to customize their borrowing to meet their specific needs. For consumers who maintain excellent credit and are seeking competitive, transparent financing with minimal hassle, LightStream has earned its reputation as one of the premier options in the personal lending space. Their "Loan Experience Guarantee" further demonstrates their confidence, offering $100 to borrowers who aren't completely satisfied with their experience.