LightStream Personal Loan Review
. As the online lending division of Bank, this lender specifically caters to borrowers with good or excellent credit.
- Same-day funding:
pros and cons
requirements
How to get a personal loan with
How compares to other personal loan companies
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How we rated
We evaluate personal loan lenders on more than just interest rates. Our goal is to show how accessible, affordable, transparent and supportive each lender really is.
Our categories
Every lender is scored out of 5 stars, with 5 stars being the highest rating. LendingTree loan experts determine this score using dozens of underlying data points across four weighted categories covering the full borrowing journey.
We assess how easy it is for people to qualify and apply. This includes state availability, soft-credit prequalification, membership requirements, funding speed and whether borrowers with less-than-excellent credit can get a loan.
We evaluate how affordable the loans are based on minimum and maximum APRs, loan fees and rate discounts. Lenders with unclear or potentially predatory costs receive lower scores.
We consider repayment term flexibility, loan amount ranges and whether options like secured loans, joint loans or direct-to-creditor payments are offered — plus whether the lender clearly communicates these options.
We evaluate borrower experience after funding: customer service access, hardship or forbearance programs, payment flexibility and digital tools like mobile apps or credit monitoring.
Our process
We gather data directly from lenders through their websites, disclosures and direct communication with company representatives. Our editorial team verifies and updates information regularly. We value transparency and award less favorable scores when lenders obscure or omit details.
In some cases, our editors may apply a small adjustment (no more than 4% of the overall score) to account for factors not captured by the methodology. This could include J.D. Power customer satisfaction surveys, recent regulatory actions or features that stand out in ways our rubric doesn’t measure directly.
Our editorial team applies the same scoring model and standards to every lender. Lenders cannot pay to influence our ratings.
Frequently asked questions
doesn’t specify its credit score requirement, but it does state that it only offers loans to those with good to excellent credit. It’ll also consider the length of your credit history, DTI ratio and payment history.
may approve and fund your personal loan the same day you apply if you sign your loan agreement by 2:30 p.m. ET and meet other requirements. This may make it a good fit for consumers looking for quick loans.
is a popular online lender that offers loans to those with strong credit. As of publication, this lender has had no major regulatory actions against it within the last three years.
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