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Personal LoansEditor's ReviewSponsored

LightStream Personal Loan Review

Guaranteed Lowest Rate or $100

4.7/ 5.0
APR Range6.94% – 25.29%
Loan Amounts$5,000 – $100,000
FundingSame-day possible
Rate GuaranteeBeat competitor + $100

Top Pick · Personal Loans

LightStream

Guaranteed lowest rate program

Same-day funding
Apply Now
CalcMoney Editor's Take

LightStream's rate-beat guarantee is one of the strongest offers in lending: if you find a lower rate from a competitor, they'll beat it by 0.10 percentage points. Combine that with same-day funding and it's hard to beat.

Pros

  • Rate Beat Guarantee: they beat competitor rates by 0.10%
  • No fees of any kind
  • Same-day funding available
  • Auto loans and home improvement specialization
  • No appraisal required for home improvement loans

Cons

  • Requires excellent credit (720+) for best rates
  • No soft-pull pre-qualification
  • No mobile app

Best For

Borrowers with excellent credit seeking the lowest possible rateHome improvement loansAuto purchases

Run the Numbers First

DEBT28 moto payoff
Debt Payoff Calculator
LOAN7.2%annual APR
Personal Loan Calculator

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Advertiser Disclosure: CalcMoney may earn a commission if you open an account or apply through links on this page. This does not affect our editorial ratings or recommendations.

Rate Beat Guarantee requires written proof of competitor's offer within 3 business days. Credit approval required.