LightStream personal loans: APR, fees and requirements

What LightStream publishes about its personal loans (9.99% to 25.44% APR), checked on the lender’s own pages, and how its starting rate compares with the other lenders on our list.

Lender type	Online lender
APR range	9.99% to 25.44%
Loan amounts	$5,000 to $100,000
Repayment terms	24 to 240 months
Origination fee	None
Minimum credit score	Not published
Funding time	As soon as today (same day) if approved, loan agreement e-signed, funding preferences/bank info provided and final verification completed on a banking business day by 2:30 p.m. Eastern
Availability	Florida loans subject to documentary stamp tax (slightly more than 0.0035 x loan amount), added to the loan amount and not included in the APR.

How the lender states its rates: “Rate widget (official LightStream rate API used by lightstream.com): 9.99%-24.94% APR with AutoPay; 10.49%-25.44% without AutoPay. Site text: 'Rate is quoted with AutoPay discount. AutoPay discount is only available prior to loan funding. Rates without AutoPay are 0.50% points higher. Excellent credit required for lowest rate. Rates vary by loan purpose.'”

How the starting rate compares

The lowest advertised APR, 9.99%, ranks 26 of 33 among the lenders on our list (1 is the lowest). The Federal Reserve's average for a 24-month personal loan at commercial banks was 11.90% (August 2026). Only borrowers with strong credit get a lender's lowest rate.