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Apply for a Personal Loan


Apply in minutes. Have funds in your account as soon as today.



Apply online

You will receive a response shortly during business hours.


Accept loan agreement

Once approved, e-sign your loan agreement and set-up your
loan for funding.


That’s it! Use your loan

Receive your funds as soon as today!


Finally, a loan that rewards your good credit.

Our financing partner offers fixed-rate, simple interest fully amortizing installment loans with no fees or prepayment penalties. When you have a track record of financial responsibility, you deserve an exceptional rate and superb service.

Their customers share these characteristics:

Credit history

Several years of credit history with a variety of account types (major credit cards, installment loans, vehicle loans and mortgage debt if applicable).


An ability to save, evidenced by: retirement/investment accounts and liquid assets - including checking and savings accounts, etc.

Income vs Debt

Stable, sufficient income and assets with the ability to repay current debt obligations in addition to any new loan with our financing partner.

Payment History

A good payment history with few, if any, delinquencies or other problems repaying debt obligations.

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*Your loan terms, including APR, may differ based on loan purpose, amount, term length, and your credit profile. Lowest rates require excellent credit. At least 11% of approved applicants applying for the lowest rate qualified for the lowest rate available based on data from 10/01/2022 to 12/31/2022. Rate is quoted with AutoPay discount. AutoPay discount is only available prior to loan funding. Rates without AutoPay are 0.50% points higher. Subject to credit approval. Conditions and limitations apply. Advertised rates and terms are subject to change without notice.


Payment example: Monthly payments for a $10,000 loan at 5.99% APR with a term of 3 years would result in 36 monthly payments of $304.17.


Maximum APR for a LightStream loan is 24.49%. Loan terms range from 24 - 144 months depending on the loan type.


  You can fund your loan today if today is a banking business day, your application is approved, and you complete the following steps by 2:30 p.m. Eastern time (1) review and electronically sign your loan agreement (2) provide us with your funding preferences and relevant banking information, and (3) complete the final verification process.

© 2023 Truist Financial Corporation. Truist, LightStream, and the LightStream logo are service marks of Truist Financial Corporation. All other trademarks are the property of their respective owners. Lending services provided by Truist Bank.

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