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.
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
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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
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- Low rates starting at 3.49%
- Quick funding on the same day.
- No fees.
- Money can be used for any personal needs.
- Cons
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- 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
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- 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
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- 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
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- Same day funding.
- Secured loans available.
- Poor credit is not a problem.
- About 1,700 branches in 44 states.
- Cons
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- 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.
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