While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. Business Hours (Eastern time). Get our weekly newsletter for the latest in money news, credit card offers + more ways to save. For one, we have created a virtually paperless consumer loan experience at LightStream. Visit jdpower.com/awards. At LightStream, we care about the environment and, more importantly, we try to do something about it. Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve. You will receive a response quickly if you apply during business hours. Personal info — your full name, home address, contact info, Social Security number, date of birth and driver’s license number, among other general information. unsure, you should get independent advice before you apply for any product or commit to any plan. Optional, only if you want us to follow up with you. You are about to post a question on finder.com: I agree to Finder’s terms of use and privacy and cookie policy, and I opt in to receive email from Finder, Subscribe me to Finder’s free weekly newsletter for budgeting tools, timely news and savings essentials to take control of your finances, 32 East 31st Street, 4th Floor, Applying for a LightStream loan is a simple process for applicants with good to excellent credit. © 2021 Truist Financial Corporation. Loan terms vary from 24 months to 144 months, with annual percentage rates ranging between 3.99 percent and 16.99 percent. Stamp tax is NOT included when determining loan interest rate. Review and electronically sign the loan agreement. Rates without AutoPay are 0.50% points higher. Receive up to five loan offers in just minutes through LendingTree's simple online form. You can even receive your funds that same day, if you meet certain requirements§. Invoice payments result in a higher APR, so set up autopay to avoid a higher interest rate. Fixed rate, simple interest fully amortizing installment loans, no fees or prepayment penalties. (Although LightStream funds cannot be used to finance post-secondary education, business loans or to refinance an existing LightStream loan). *Payment example: Monthly payments for a $25,000 loan at 6.89% APR with a term of 12 years would result in 144 monthly payments of $255.63. The lender also considers your: 1. Credit score and credit history. Terms are subject to change at any time. You choose your funding date, and you can even have funds deposited into your account as soon as the same day you apply. To ensure you have the most up to date information, you should verify relevant information If you are Provide LightStream with your banking information and funding preferences. A pool loan is a lending product that covers the cost of installing a pool. The timing of LightStream’s response depends how quickly you provide the requested information. LightStream was the clear choice as the best overall pool loan provider based on its interest rates and loan terms. There are also no appraisals or home equity requirements. For one, we have created a virtually paperless consumer loan experience at LightStream. Please appreciate that there may be other options available to you than the products, providers or services covered by our service. LightStream and Truist teammates do not qualify for the Loan Experience Guarantee. While, finder.com is a financial comparison and information service, not a bank or product provider, We cannot provide you with personal advice or recommendations. Repay your fixed-rate home improvement loan in as little as two years, or take up to 12 years. information service that aims to provide you with information to help you make better decisions. Requested loan amount. Property info — total monthly housing costs, estimated equity in home, address, occupancy type and property type. Get connected to competitive loan offers instantly from top online consumer lenders. Loan terms can last … We may receive payment from our affiliates for featured placement of their products or services. The unsecured LightStream loan has no prepayment penalties or home equity requirements. LightStream is the online consumer lending division of SunTrust Bank. It’s easy and convenient to finance your entire backyard project at once. We may also receive payment if you click on certain links posted on our site. Applying for a home improvement loan through LightStream is a simple online process that takes about 10 minutes. LightStream Personal Loans. Learn more about how LightStream loans can be used to finance: Five or more years of significant credit history, A credit history with a variety of account types such as major credit cards (for example, Visa, MasterCard, Amex), installment debt (vehicle loans) and mortgage debt if applicable, An excellent payment history with no delinquencies or other problems repaying debt obligations, A proven ability to save evidenced by some or all of the following; liquid assets (stocks, bonds, bank deposits, etc. Let's take a look at the details of the interest rate: Interest rates are based a combination of loan amount, loan purpose and length of the loan. 0.50% autopay discount : This is one of the larger rates discounts offered with … The loan can offer significant savings with a low APR and no fees. Advertised rates and terms are subject to change without notice. The unsecured LightStream loan has no fees or prepayment penalties. The lowest rate in each range is for LightStream's unsecured auto loan product and requires that you have an. 2. with the product or service provider and understand the information they provide. Lightstream received the highest score in the personal loan segment of the J.D. Surveyed consumers ranked LightStream highest in offering and terms, application and approval process, and loan management. Your loan terms are not guaranteed and may vary based on loan purpose, length of loan, loan amount, credit history and payment method (AutoPay or Invoice). LightStream, through this Lending Uncomplicated® site, curates articles and resources we feel will be interesting, engaging and educational as they relate to financing and the variety of categories for which we provide loans… AutoPay discount is only available prior to loan … You cannot make payments at or through a SunTrust Bank branch. AutoPay is automatically withdrawn from your bank account each month. Selecting autopay results in a lower APR. Lowest rates require excellent credit. Power 2020 award information, visit jdpower.com/awards. LightStream swimming pool loan isn't available on Finder right now. Income and employment — work status, annual income and sources, liquid assets and retirement assets. Mailing Address Security info for account setup — user ID, password and security question and answer. 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. If you are thinking about sprucing up your space, a LightStream Home Improvement loan can help with financing… … Quick Review: Loans from LightStream have some of the lowest interest rates on the market. Best Personal Loan for Home Improvement. The lowest rate in each … It can even be used to repair or update an existing pool. 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. Finder® is a registered trademark of Hive Empire Pty Ltd, and is used under license by You control the terms of your LightStream home improvement loan. Rates will also vary by loan type. Limited to one $100 payment per funded loan. However, if you don't qualify or want to use your loan funds for more than just financing a swimming pool, you should compare your other personal loan options before making a final decision. Rate is quoted with AutoPay discount. Their APRs start as low as 3.49% and only top out at 17.29%. For homeowners looking for a more-self serve lender, Latham Pools has partnered with LightStream. We strive to ensure our content is clear and honest. Conditions and limitations apply. Finder.com LLC. There are also no appraisals or home equity requirements. When they receive your completed questionnaire, they will send you $100. Now you can take up to 144 months1 to repay your LightStream loan of $25,000 or more. 4. You can get a 0.50% lower annual percentage rate if you set up AutoPay prior to loan funding. Please note that we are currently unable to: 1) Provide loans used to fund college or post-secondary education expenses. A highly-rated lender with competitive rates, high loan amounts and no fees. LightStream online lending offers loans for auto, home improvement and practically anything else, at low rates for those with good credit. And its low fixed APR and lack of fees can offer savings over other pool loans. You can also borrow large … This service looks beyond your credit score to get you a competitive-rate personal loan. Access your account information. They will email you a questionnaire so they can improve their services. You can be confident that’s what you’ll get with LightStream, because we back our low rates with our Rate Beat Program. SunTrust, Truist, LightStream, the LightStream logo, LightStream reserves the right to change or discontinue their guarantee at any time. Loan amounts range … Available assets. We have partnered with LightStream, the online lending division of SunTrust Bank, to give our good-credit customers access to a refreshingly simple loan experience. finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. You must be a U.S. citizen or a permanent resident with a valid green card. Subject to credit approval. Your credit report will also determine whether your LightStream loan will be a… … Your loan terms, including APR, may differ based on loan purpose, amount, term length, and your credit profile. After receiving your funds from LightStream, Viking Capital’s renowned customer service will assist you throughout the pool … With LightStream’s pool loan, you can eliminate the difficulty of finding financing and get to planning your new pool. and the SunTrust logo are service marks of Truist Financial Corporation. While Lightstream loans start at 3.99% APR* (as of 10/27/2020), other competing lenders with similar credit requirements (like Discover and Marcus by Goldman Sachs) start their loan APRs at 6.99%. Great service. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. Requested loan purpose. If you're approved, you must transfer the funds to your bank account within 30 days. You can click the Return to LightStream.com button now to return to the previous page. If additional information is required, a LightStream representative will follow up through email. 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