Fast, Secure Personal Loans

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 10.003% of approved applicants applying for to lowest rate qualified for to lowest rate available based on data from 10/01/2025 to 12/31/2025. 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 10.00% APR with a term of 3 years would result in 36 monthly payments of $306.44.

Maximum APR for a LightStream loan is 25.39%. Loan terms range from 24 - 240 months depending on 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;
3. complete final verification process.