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LightStream personal loan

Not financial advice. Published ranges from each lender's own page with the date we read it; your offer depends on credit, income and state. No lender pays for inclusion or rank.

Rubric score 75.2%

• APR9.99%–25.44% fixed; 9.99% is with AutoPay (0.50 pts higher without) lightstream.com, 2026-10-12
• Origination fee0% lightstream.com, 2026-10-12
• Terms24 months–240 months lightstream.com, 2026-10-12
• Loan amountsnot found lightstream.com, 2026-10-12
• Minimum credit scorenot published (not found) lightstream.com, 2026-10-12

Note: LightStream is a division of Truist; Truist page lists 9.99%–24.94% with AutoPay and no origination fees; LightStream page lists max APR 25.44% and 24–240 month terms by loan type

Complaint record (CFPB)

• Complaints, last 12 months5,738
• Trend▲ 18.2% (last 12 mo 5,738 vs prior 12 mo 4,855)
• Timely response (last 36 mo)99.9%
• Per $1B deposits (12 mo)13.69
• Top issueManaging an account
• Insurance statusFDIC-insured: Truist Bank (cert 9846, active; deposits $419.2B as of 06/30/2026)

Company-level (TRUIST FINANCIAL CORPORATION), all products, as of 2026-10-12. Truist (LightStream) complaints: full record → Shown for context; does not change the score.

Score breakdown

• Lowest advertised APR 6.0/10Lowest APR 9.99%. Score = 16 − APR, 0–10 (6% → 10).
• Highest APR (worst case) 6.6/10Max APR 25.44%. Score = (36 − max)/1.6, 0–10.
• Origination fee (max) 10/10Origination fee up to 0%. Score = 10 − max fee %.
• Term range 10/10Terms 24–240 months. Score = span/6 months, max 10.
• Max loan amount 5.0/10not found — unknown, scored 5.0/10 (lower of neutral 5 and comparison median)

0.200×6.0 + 0.200×6.6 + 0.200×10 + 0.200×10 + 0.200×5.0* = 7.52 → 75.2% (* unknown, imputed)

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FAQ

What APR does LightStream charge?

9.99%–25.44% fixed; 9.99% is with AutoPay (0.50 pts higher without) lightstream.com, 2026-10-12

Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.