LightStream offers affordable Personal Loans up to $100,000 in all the 50 states. Their rates are rather low starting at 3.49% APR. But only borrowers with a long credit history and a good score can get approved for LightStream funding. So, you may want to consider other direct lenders offering Personal Loans to suit your needs.

Loans for ANY NEEDS
APR from 4.99%

LightStream Personal Loans

LightStream offers Personal Loans for a variety of purposes and other money products at affordable rates with convenient repayment. 

  • MIN Loan Amount: $5,000
  • MAX Loan Amount: $100,000
  • Terms: 2 - 7 years.
  • Rates and fees: 4.99 - 16.79% APR
  • Turnaround Time: Same day
  • Car Loans & Refinance Loans
  • Home Improvement Loans
  • Pool Loans
  • Timeshare Financing & Vacation Ownership Loans
  • Boat Loans & Aircraft Financing
  • Fractional Loans
  • Jewelry Financing
  • IVF Financing
  • Medical & Dental Financing
  • Adoption Financing
  • PreK-12 Education Loans
  • Horse Loans

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  • The US residence
  • At least  years of age
  • The minimum credit score of 660.
  • The maximum debt-to-income ratio varies depending on the loan purpose.
Pros
  • Low rates starting at 3.49%
  • Quick funding on the same day.
  • No fees.
  • Money can be used for any personal needs.
Cons
  • High minimal loan amount of $5000.
  • Credit score must be minimum 660.
  • Several years of credit history are required.

 

Read more: LightStream Reviews

Sites like LightStream

BestEgg offers Personal Loans, Installment Loans, Debt Consolidation Loans, Moving Loans, Vacations Loans and other money products at affordable rates and terms.

  • MIN Loan Amount: $2000
  • MAX Loan Amount: $50000
  • Terms: 3 - 5 years
  • Rates and fees: 5.99% - 29.99% APR
  • Turnaround Time: 1 - 2 business days
  • Personal Loans
  • Installment Loans
  • Debt Consolidation Loans
  • Moving Loans
  • Vacations Loans
  • 18 years old
  • U.S. citizen/permanent resident
  • SSN
  • Bank account
Pros
  • Ability to finance loans within one business day. 
  • Soft credit check with pre-qualification. 
  • Ability to change the payment date. 
  • Quick approval and funding: borrowers can be approved in just one day and receive funds in just one business day.
Cons
  • Charges a $15 late fee. 
  • Origination fee: it varies from 0.99 to 5.99 %. Most lenders do not charge this fee.

 

PaydayloansUSA.online offers Payday Loans, Installment Loans, Personal Loans and other money products at affordable rates with convenient repayment. 

  • MIN Loan Amount: $100
  • MAX Loan Amount: $35000
  • Terms: Vary by state.
  • Rates and fees: 4.99% to 1386% APR
  • Turnaround Time: 1 business day
  • Payday Loans
  • Installment Loans
  • Personal Loans
  • Active checking account open for 90+ days
  • US citizen or permanent resident
  • Personal and work phone number
  • Valid email address
Pros
  • Quick - no driving, waiting, faxing, paperwork.
  • More than 300 direct lenders.
  • High approval rate even for bad credit Payday Loans.
  • Online Payday cash advance with no collateral.
  • 24 / 7 online service.
  • No hard credit check Payday Loans.
Cons
  • High interest rates.
  • Available not in all the states.
  • Not many financial products offered.

 

OneMain Financial offers Personal and Auto Loans as well as other money products at affordable rates online and in-store. 

  • MIN Loan Amount: $1500
  • MAX Loan Amount: $20000
  • Terms: 2 -5 years.
  • Rates and fees: 18% - 35.99% APR
  • Turnaround Time: Same day
  • Personal Loans
  • Auto Loans
  • Established credit history
  • US citizen or permanent resident
  • Meet your state’s minimum age requirement
Pros
  • Same day funding.
  • Secured loans available. 
  • Poor credit is not a problem.  
  • About 1,700 branches in 44 states.
Cons
  • Strict penalties for late payments. 
  • Available not in all states. OneMain Financial doesn’t operate in the following states: Alaska, Arkansas, Connecticut, Massachusetts, Rhode Island, Vermont and Washington D.C. 
  • Must complete the applying process at a branch store. 
  • If you take out a secured loan, you'll be required a full coverage on the vehicle you use as collateral.

 

Compare other Personal Loan Direct Lenders Online

LendYou will help you get the cash you need when you need it. You can apply for Payday Loans, Installment Loans or Personal Loans, etc. Compare the lenders and get matched with the best one.

  • MIN Loan Amount: $100
  • MAX Loan Amount: $35000
  • Terms: Varied
  • Rates and fees: Starting at 4.99% APR
  • Turnaround Time: 1 business day
  • $100 - $1000 Payday Loans
  • $1000 - $5000 Installment Loans
  • $5000 - $35000 Personal Loans
  • 18 years of age or older
  • U.S. citizenship
  • Valid checking or savings account with direct deposit
  • Minimum regular income of $1,000 per month
  • Not be a regular or reserve member of the Air Force, Army, Coast Guard, Marine Corps or Navy (or be a dependent of someone who is,) serving on active duty under a call or order that does not specify a period of 30 days or fewer.
Pros
  • High up to $15,000 loan amounts. 
  • Minimal restrictions on how you can use your loan.
  • No collateral or guarantor.
  • Bad credit is OK. 
Cons
  • It's not a direct lender, so you'll need to clarify rates and terms with the company you are matched with. 

 

Check Into Cash offers Payday Loans, Title Loans, Personal Installment Loans and other money products at affordable rates with convenient repayment. 

  • MIN Loan Amount: $50
  • MAX Loan Amount: $3000
  • Terms: Vary by state.
  • Rates and fees: 261% to 782% APR
  • Turnaround Time: 1 business day
  • Payday Loans
  • Online Payday Loans
  • Title Loans
  • Installment Loans
  • Online Installment Loans
  • Line of Credit
  • Flex Loans
  • Other Services
  • Check Cashing
  • Bill Pay
  • Western Union 
  • U.S. Money Card
  • Cell Phone Top-Ups
  • Sell Us Your Gift Cards For Cash
  • Active checking account open for 90+ days
  • US citizen or permanent resident
  • Personal and work phone number
  • Valid email address
  • 21+ years old (19+ in Alabama)
  • Social Security number (for Indiana residents only)
Pros
  • You can get even as low as $50.
  • Quick funding on the next business day.
  • Money can be used for any personal needs.
Cons
  • Not available in every state.
  • APR can be more than 153.73% depending on your state.
  • High late payment fees.