You’re in control of your LightStream loan. The Rate Beat Program excludes secured or collateralized loan offers from any lender and the competitive offer must be generally available to any customer with a similar credit profile. LightStream also offers a Loan Experience Guarantee in which they will give you $100 if you are not satisfied with your loan experience and notify them within 30 … Mailing Address Customer Service While good credit is required with this lender, the low interest rates are hard to beat. Rate is quoted with AutoPay discount. Subject to credit approval. Please note: Credit Card/Debt Consolidation loan terms greater than 60 months with a loan amount of less than $25,000 are only available for excellent-credit applicants. By clicking Continue, you will be taken to a third-party Web site which is not affiliated with LightStream, a division of SunTrust Bank. LightStream is tailored to customers with strong credit and income — even promising to beat some competitors’ rates to get those customers. Simple enough for anyone to get started in minutes. Subject to credit approval. I tried to use their "rate beat" offer but in the fine print it says the competing offer must also be an unsecured loan. {{rates.Rate.Min * 100 | number:2 }}% to {{rates.Rate.Max * 100 | number:2 }}%, Rates quoted with Premier Banking Discount, (Exact rate within this range is determined by credit profile). Studio Powerful cloud-based live streaming made easy. Rate Beat Program 7. Products. Rate is quoted with AutoPay discount. * Your loan terms, including APR, may differ based on loan purpose, amount, term length, and your credit profile. {{rates.EstimatedMonthlyPayment.Min | currency }}, to {{rates.EstimatedMonthlyPayment.Max | currency }}, {{row.LoanAmount.Min | lsLoanAmountMin}} to {{row.LoanAmount.Max | lsLoanAmountMax}}, Loan Amount {{row.LoanAmount.Min | lsLoanAmountMin}} to {{row.LoanAmount.Max | lsLoanAmountMax}}, {{term.Min}} to {{term.Max}} months, {{ (row.Rates[$index] | rateRange:rates.PurposeOfLoan) == 'N/A' && 'rates not available for this amount.' Conditions and limitations apply. If you have been approved by another lender for a lower qualifying rate: Customers who have already been approved for a LightStream loan can contact LightStream customer service. Funds are available fast, arriving in your bank account as soon as the same day** 5. No loan fees, including no prepayment or overpayment penalties 2. If you’re offered a lower rate from another lender, LightStream’s Rate Beat Program promises to beat any competing APR by 0.10 percent. The privacy policy, level of security or accessibility standards may differ from ours. You can click the Return to LightStream.com button now to return to the previous page or you can use the Back Plus, in many cases, approved borrowers can gain access to funds the same day they request the loan. security offered on the third-party site prior to providing any personal information. Same-day funding is … {{rates.EstimatedMonthlyPayment.Min | currency }} to {{rates.EstimatedMonthlyPayment.Max | currency }}, Interest rate / APR: on third-party Web sites. LightStream will lower your APR by 0.5 percentage points if you choose to use autopay instead of making manual monthly payments. Mailing Address Even if you don’t qualify for the lowest rates, LightStream’s Rate Beat program can match any other lender’s APR and then drop another 0.1 percentage points from your rate if … You’re approved for a fixed-rate loan with the other lender for the same amount, term, purpose and payment method. LightStream and SunTrust teammates do not qualify for the Loan Experience Guarantee. Lightstream received the highest score in the personal loan segment of the J.D. Additionally, its Rate Beat Program offers 0.10% off your LightStream APR if a competing lender offers you a lower rate for the same amount and terms. Atlanta, GA 30368-7320 You must show that you’ve been approved by a lender for a lower rate and meet other eligibility criteria before LightStream will beat the competitor rate. LightStream will offer a rate .10 percentage points lower than the rate offered by a competing lender subject to satisfactory evidence being provided that you were actually approved for a lower rate with another lender for the same loan terms offered by LightStream by no later than 2 p.m. Eastern time one business day prior to loan funding. That is, you’ll find a lower rate until you cash in on LightStream’s Rate Beat guarantee. When you have good credit, you deserve a low-interest, fixed-rate loan. In addition, for every loan that we fund for our customers, No technical wizardry. All other trademarks are the property of their respective owners. Based on your selected loan purpose, below is a table of loan terms and available rates. You can click the Return to LightStream.com button now to return to the previous page. Fixed-rate loans only — Variable rate loans aren’t available. Lowest rates require excellent credit. LightStream claims it will beat any rate from a competing lender by 0.1% if you were approved for the same loan terms. Visit jdpower.com/awards. Advertised rates and terms are subject to change without notice. LightStream Debt Consolidation review: Essential details. Engage your audience and drive action. Please consider whitelisting TMC on your ad blocker and becoming a … LightStream is not responsible for and does not Low-rate guarantee: If you can provide evidence a competing lender offered a lower rate on the same terms, LightStream will beat it by … || 'at '+(row.Rates[$index] | rateRange:rates.PurposeOfLoan) }}. “LightStream’s twist is that what you buy determines the interest rate you pay. Rates without AutoPay are 0.50% points higher. LightStream’s Rate Beat Program ensures that you get the most competitive APR available. Lowest rates require excellent credit. Business Hours (Eastern time). SunTrust, Truist, LightStream, the LightStream logo, AutoPay discount is only available prior to loan funding. We reserve the right to change or discontinue our guarantee at any time. LightStream also guarantees low rates. Monday - Friday: 9 a.m. to 8 p.m. Please enter an amount between {{rates.MinLoanAmountHint | currency}} and {{rates.MaxLoanAmountHint | currency}}. A 0.10 percentage point drop may not sound like a lot, but every little bit helps. LightStream will beat any other lender’s APR by 0.1%, provided the other lender’s APR meets certain terms and conditions. For one, we have created a virtually paperless consumer loan experience at LightStream. Truist Bank is an Equal Housing Lender. 1. And LightStream only offers its Rate Beat program on fixed-rate loans from other lenders. At LightStream, we care about the environment and, more importantly, we try to do something about it. Monday - Friday: 9 a.m. to 8 p.m. & Saturday: Noon to 4 p.m. Intro to Lightstream. Create unlimited projects, scenes, and layouts for your shows. LightStream is not responsible for and does not endorse, guarantee or monitor content, availability, viewpoints, partners, advertisers, products or services that are offered or expressed on third-party Web sites. They advertise a “Rate Beat Program” where they will beat any interest rate you’re approved for by a competitor (for the same type of loan) by 0.10 percentage point. LightStream will offer a rate .10 percentage points lower than the rate offered by a competing lender subject to satisfactory evidence being provided that you were actually approved for a lower rate with another lender for the same loan terms offered by LightStream by no later than 2 p.m. Eastern time one business day prior to loan funding. Here’s an incentive to shop around and compare rates: LightStream will beat competitor rates by 0.10% APR. Lightstream Studio allows you unrestricted control to place everything exactly where you want to best represent your creative vision. Application Processing Plus, it offers to send you $100 if you’re unsatisfied with the loan proc… Here’s a closer look at how the Rate Beat Program could help your bottom line. LightStream specializes in helping people who’ve maintained good credit get quick, convenient loans with highly competitive rates. We encourage you to review the privacy policy and Power 2020 U.S. Consumer Lending Satisfaction Study of customers’ satisfaction with their lending company. At least 25% of approved applicants applying for the lowest rate qualified for the lowest rate available based on data from 07/01/2020 to 09/30/2020. Please note: Credit Card/Debt Consolidation loan amounts greater than $50,000 are only available for excellent-credit applicants. If you are not satisfied with your loan within the first 30 days after receiving your loan, LightStream will send you $100. LightStream charges no fees on its personal loans and is even willing to beat competitors’ rates by 0.1 percent (with some restrictions). In addition, for every loan that we fund for our customers, we will have a tree planted in one of our country's fragile habitat communities currently under restoration. LightStream is so confident about their service that they offer a $100 Loan Experience Guarantee,* stating that the loan process will be the best you’ve ever had. LightStream Personal Loan Rates & Terms LightStream’s personal loans have fixed-rate APRs ranging from 2.49% to 20.49%, depending on your credit profile, assets, income, how you’ll use the money, and if you sign up for autopay. endorse, guarantee or monitor content, availability, viewpoints, partners, advertisers, products or services that are offered or expressed Rate Beat Program. Terms are subject to change at any time. High maximum loan amount so that your entire financial need can be covered by one loan 3. PO Box 117320 Business Hours (Eastern time) Other simple web tools restrict you to their layouts. PO Box 117320 Limited to one $100 payment per funded loan. and the SunTrust logo are service marks of Truist Financial Corporation. © 2021 Truist Financial Corporation. By eliminating paper almost entirely from the LightStream loan process, we not only save our natural resources but we save on expenses as well, better enabling us to offer you highly competitive interest rates. Based in Atlanta, Georgia, SunTrust was founded in 1865 and bought the assets of FirstAgain which was later used to launch LightStream in 2013. And its rate beat program and autopay discount make for competitive rates. LightStream Rate Beat Program. LightStream offers fixed-rate loans ranging from $5,000 up to $100,000 and guarantees the lowest APR percentages, or they’ll beat the competition by 0.10%. In fact, LightStream’s Rate Beat program promises to deliver qualified lenders with the lowest rate possible. At LightStream, we care about the environment and, more importantly, we try to do something about it. Truist Bank is an Equal Housing Lender. Rate quotes include an Autopay discount — If you opt out of autopay for your monthly payments, your rate will be .50% higher. High loan amounts, long terms "Rate beat" guarantee; LightStream offers loans ranging from $5,000 to $100,000, making it a suitable debt consolidation option if you have larger amounts of debt to your name; the most you can borrow through Avant, for instance, is $35,000 If you aren’t satisfied with the lending experience, LightStream … * Your loan terms, including APR, may differ based on loan purpose, amount, term length, and your credit profile. LightStream’s low rates are even backed by their Rate Beat Program, so you can be extra confident you’re getting the best rate. Rate is quoted with AutoPay discount. Monthly Payment: But loan decisions aren’t based on credit score alone. We will work with you to determine your Rate Beat eligibility and obtain the documentation we need on your competitive rate. Good credit deserves fast and easy backyard financing. Use a LightStream loan for any purpose, including Pre-K to 12th grade education, boat financing, and timeshare financing 4. You can be confident that’s what you’ll get with LightStream, because we back our low rates with our Rate Beat Program. LightStream is a lending division operated by the well-known SunTrust Bank. ‘The Rate Beat’ program. Learn more about how LightStream loans can be used to finance. By eliminating paper almost entirely from the LightStream loan process, we not only save our natural resources but we save on expenses as well, better enabling us to offer you highly competitive interest rates. © 2021 Truist Financial Corporation. Conditions and limitations apply. and the SunTrust logo are service marks of Truist Financial Corporation. Of course local CU has a much better rate but Lightstream's unsecured loan is very attractive. The privacy policy, level of security or accessibility standards may differ from ours. Top perks. Please enter a term between {{rates.MinTerm}} and {{rates.MaxTerm}} months. Payment example: Monthly payments for a $10,000 loan at 2.49% APR with a term of 3 years would result in 36 monthly payments of $288.57.Maximum APR for a LightStream loan is 20.49%. Powerful enough to take any broadcaster to the next level. 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