Apply now for a LightStream personal loan.

1AutoPay discount is only available prior to loan funding. Rates without AutoPay are 0.50% points higher. Excellent credit required for lowest rate. Rates vary by loan purpose.

Lending Uncomplicated®

The LightStream unsecured loan is a Truist lending product.

No fees

 

No origination fees. No late fees. No pre-payment fees. It’s simple. We don’t have fees … for anything.

Fast, flexible funding

 

Need funds as soon as today?Disclosure 3 Want to wait a while? Receive your loan your way, on your schedule.

Learn more about fast and flexible funding.

Rate beat program

 

We’ll beat the interest rate on any competing lender’s unsecured loan by 0.10 percentage points.Disclosure 4

Learn more about the rate beat program.

An unsecured personal loan—for practically anythingDisclosure 5

We have a unique, purpose-based lending solution with custom loan terms for your needs.

Home improvement

Auto

Debt consolidation

Pre-K to 12th grade education

Boat

Recreational vehicle

Life events

Something else

Get rewarded for financial responsibility.

We only approve good-to-excellent credit profiles for LightStream unsecured loans.

Your stable financial track record deserves low rates and superior service. You can borrow between $5,000 and $100,000 for an unsecured personal loan. As part of our loan approval process, we look at factors including your credit score, credit history, assets, debt-to-income ratio, and payment history.

Learn more about LightStream unsecured loans.
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Loan terms
  • Fixed rate, simple interest, fully amortizing loan with no fees or prepayment penalties.
  • Rates quoted with AutoPay option. Invoicing option is 0.50% points higher.
  • Loan proceeds may not be used to refinance an existing LightStream loan.
  • Florida loans subject to Documentary Stamp Tax (opens in a modal}. The tax amount is not included in the quoted APR.
Lowest rate
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Choosing AutoPay can lower your rate
In your application, you'll have the option to choose AutoPay (which includes a 0.50% points APR discount, as shown) or invoice repayment. If your loan is approved and you’ve selected AutoPay, you'll make monthly automated payments from any U.S. bank or credit union account where ACH withdrawals are allowed.
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How it works

step 1
Apply online.

It takes just minutes to apply, and you'll receive a response quickly during business hours.

step 2
Review and sign your loan agreement.

Once you're approved, e-sign your agreement and schedule your funding.

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Get started!

You can have funds in your account as soon as todayDisclosure 3 with same-day funding, or schedule funding when you need it. Disclosure 7

Apply now

Frequently asked questions

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The main difference between secured and unsecured loans is that secured loans require collateral and unsecured loans don’t.

For instance, a secured home loan uses your home as collateral, and a secured vehicle loan uses your vehicle as collateral. If you fail to pay the loan, you can lose your asset.

Unsecured loan benefits include a simpler application and approval process, because there is not a need to secure a title to collateral property.

Unsecured loans, also called unsecured personal loans, are backed by your creditworthiness—your past repayment history and your credit score, among other factors. Because of this, interest rates on unsecured loans can be higher than those on secured loans. We only approve good-to-excellent credit profiles for LightStream loans.

Applying for a LightStream unsecured loan is easy. A few things to know before applying:

  • You (and any joint applicants) must be 18 or older and have good-to-excellent credit along with sufficient income and assets to cover your current debts along with the requested loan.
  • A LightStream unsecured loan is a fully digital product only accessed online with credentials. To apply, you’ll need to acknowledge receipt of the Consent to Use of Electronic Signatures and Records, agree to receive electronic records, and use electronic signatures to sign your loan agreement. If you’re approved, you’ll also need to create a user ID and password to finalize your application and manage your loan.
  • Personal loans are for individuals, not businesses. If you’re approved, you must use the funds for the purpose you specify in your application.
  • If you need to speak with someone, we’re available to answer your questions. Call us at 844-4TRUIST (844-487-8478) Monday through Friday, 8 am to 8 pm, or Saturday, 8 am to 5 pm ET.

To apply, you’ll need:

  • Your personal and contact information
  • Your current address and employment information
  • Financial information, including income, debts, and other personal obligations

Application steps:

  1. Gather your information listed above and begin your online application.
  2. We’ll prompt you to create an online banking profile if you don’t have one. You’ll use this to check your loan status, view any messages, and add your personal bank account to fund your loan if approved.
  3. Submit your online application. You can save your progress if you need to finish the application later.
  4. You’ll receive a confirmation email with your application ID. Please remember to check your junk or spam folder. Call us at 844-487-8478 if you don’t get an email within 24 hours.

LightStream unsecured loans require good-to-excellent credit profiles.

Here are some characteristics we find people with good-to-excellent credit share:

  • Credit history: Several years of credit history  (excellent credit profiles have 5 or more years) with a variety of account types, including major credit cards, installment loans, vehicle loans, and mortgage debt, if applicable.
  • Assets: The ability to save money, shown by retirement or investment accounts, as well as liquid assets such as checking and savings accounts.
  • Income vs debt: Stable income and assets with the ability to repay current debt obligations in addition to the new LightStream unsecured loan. (Excellent credit profiles typically include little, if any, credit card debt.)
  • Payment history: A good-to-excellent payment history with few or no late payments, and no other problems repaying debt.

Everyone’s credit profile is unique, and during our approval process, we look beyond your credit score and examine your entire credit profile. Please note: A high FICO® score doesn’t guarantee approval.

Note for joint applicants: Each party on an application is reviewed equally since they share responsibility for this loan.

When you’re approved for a LightStream home improvement loan, the funds must be transferred into your account within 90 days. If your loan is for another purpose, the funds must be transferred into your account within 30 days.

After the 90- or 30-day period, your loan approval will expire and you’ll need to submit a new application.

You’re required to use the loan proceeds for the purpose selected in your loan application.

In addition:

  • You can’t use your loan proceeds to refinance an existing LightStream loan.
  • We can’t provide loans to fund college or post-secondary education expenses, or refinance loans used for those purposes.
  • We make loans to individuals, not businesses. Loans can’t be used for business purposes. You can find options for business loans at https://www.truist.com/small-business/loans.
  • Funding and payments must be made to and from your personal banking account.
  • We don’t provide personal loans for cash out refinance purposes.
  • You can’t use the proceeds of a LightStream loan to buy bonds, stocks, stock options, or pay back a loan against a stock option. You also can’t use the loan proceeds to contribute to a retirement account, life insurance policy, or education savings plan.
  • You can’t use your loan proceeds to purchase cryptocurrencies.

If you have a funded loan, you can manage it online by signing in to your account. You can:

  • Review your loan terms and see previous payments
  • Make payments, including extra payments
  • Update your contact information
  • Update your security information, such as your user ID and password
  • Apply for another loan

There is no penalty for partial or total repayment. You can make extra payments any time by signing in to your account.

After you’ve been approved for a LightStream unsecured loan, funds can be deposited by wire transfer or ACH Monday through Friday, except on banking holidays.

For a home improvement loan, you can schedule receipt of your funds within 90 days of approval. For all other loan purposes, you can schedule receipt of your funds to be delivered within 30 days after approval.

Schedule a wire transfer
If you opt for a wire transfer, be sure to contact your financial institution to clarify whether there are any special instructions or fees. You must sign in to your account and schedule funding the day prior to your desired receipt date.

Same-day wire transfer
You can fund your loan today by wire transfer if today is a banking business day, your application is approved, and you complete the following steps before 2:30 pm ET: (1) review and e-sign your loan agreement; (2) provide us with the funding preferences and relevant banking information; and (3) complete the final verification process.

Schedule a direct deposit ACH transfer
To receive funds through direct deposit ACH transfer, you must sign in to your account and schedule funding the day prior to your desired receipt date before 5:30 pm ET and schedule funding before 6 pm ET.

We can’t deposit funds into a business or third-party account. Funds must be deposited into your personal bank account.

Related resources

Your credit score, explained

Your FICO® credit score is one of the most common ratings used to determine your creditworthiness. Let’s break down how it’s calculated.

Secured vs. unsecured loans

There are some key differences between a secured loan and an unsecured loan. We explore the pros and cons of each, so you can decide what’s best for you.

You may also be interested in these options.

Secured auto loan

You can choose your car. Why not choose your loan? Whether you’re buying or refinancing, we’ll make your decisions easier.

Apply in person for a secured auto loan
Get details about secured auto loans.

Truist Future credit card

Consolidate credit card debt into a single payment at a lower rate.

  • The lowest APR of any card we offer.
  • No annual feeDisclosure 11
  • Save on interest when you transfer higher-rate, non-Truist balances.
Apply now for the Truist Future card.
Get details about the Truist Future card.

See rates and fees for the Truist Future card.

Truist offers an additional unsecured loan option, which may include different underwriting guidelines, product terms, fees, and pricing. You can learn more by visiting a local branch or by phone. Call us at 844-4TRUIST (844-487-8478) Monday through Friday, 8 am to 8 pm, or Saturday, 8 am to 5 pm ET.

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Just a moment : loading interest rates

Disclosure 1 AutoPay discount is only available prior to loan funding. Rates without AutoPay are 0.50% points higher. Excellent credit required for lowest rate. Rates vary by loan purpose.

Disclosure 2 Your loan terms, including APR, may differ based on loan purpose, amount, term length, and your credit profile. Lowest rates require excellent credit. At least 25% of approved applicants applying for the lowest rate qualified for the lowest rate available based on data from 01/01/2025 to 03/31/2025. Rate is quoted with AutoPay discount. AutoPay discount is only available prior to loan funding. Rates without AutoPay are 0.50% points higher. Subject to credit approval. Conditions and limitations apply. Advertised rates and terms are subject to change without notice.

Payment example: Monthly payments for a $25,000 loan at 7.24% APR with a term of 3 years would result in 36 monthly payments of $774.67.

Maximum APR for a LightStream loan is {{lsiMaxRate}}% with AutoPay discount. Loan terms range from 24 - 240 months depending on the loan type.

{{lsiRateOptional:Rates are accurate as of}} {{lsiRateDate}} {{lsiRateOptional:and are subject to change.}} 

Disclosure 3 You can fund your loan today by wire transfer if today is a banking business day, your application is approved, and you complete the following steps before 2:30 pm ET: (1) review and e-sign your loan agreement; (2) provide us with your funding preferences and relevant banking information; and (3) complete the final verification process.

Disclosure 4 Truist will offer a rate 0.10 percentage points lower than the rate offered on any competing lender’s unsecured loan, provided that you were approved for that lower rate (with the same loan terms offered by Truist) no later than 2 pm ET two business days prior to loan funding. The Rate Beat Program excludes secured or collateralized loan offers from any lender, and the competitive offer must be available to any customer with a similar credit profile. Terms are subject to change at any time. If you believe you have been approved by another lender for a lower qualifying rate, sign in to your account and click on Submit Rate Beat Request to review your Rate Beat eligibility and upload the required documentation.

Disclosure 5 If you’re approved for a LightStream loan, you’re required to use the loan proceeds for the purpose selected in your loan application. Loan proceeds cannot be used to refinance an existing LightStream loan; fund college or post-secondary education expenses, or refinance loans used for those purposes; for business purposes; for cash out refinance purposes; to buy bonds, stocks, stock options, or pay back a loan against a stock option; contribute to a retirement account, life insurance policy, or education savings plan; or to purchase cryptocurrencies. Funding and payments must be made to and from your personal banking account. 

Disclosure 6 Estimated payment is based on the lowest APR. Rate range across all LightStream loan purposes: {{lsiMinRate}}% to {{lsiMaxRate}}% APR with AutoPay discount. (Exact rate within the range is determined by credit  profile and loan amount.) 

Disclosure 7 After you’ve been approved for a LightStream unsecured loan, funds can be deposited by wire transfer or ACH Monday through Friday, except on banking holidays.

For home improvement loans, you can schedule receipt of your funds within 90 days of approval. For all other loan purposes, you can schedule receipt of your funds to be delivered within 30 days after approval.

Schedule a wire transfer
If you opt for a wire transfer, be sure to contact your financial institution to clarify whether there are any special instructions or fees. You must sign in to your account and schedule funding the day prior to your desired receipt date.

Same-day wire transfer
You can fund your loan today by wire transfer if today is a banking business day, your application is approved, and you complete the following steps before 2:30 pm ET: (1) review and e-sign your loan agreement; (2) provide us with the funding preferences and relevant banking information; and (3) complete the final verification process.

Schedule a direct deposit ACH transfer
To receive funds through direct deposit ACH transfer, you must sign in to your account and schedule funding the day prior to your desired receipt date before 5:30 pm ET and schedule funding before 6 pm ET.

We can’t deposit funds into a business or third-party account. Funds must be deposited into your personal bank account.

Disclosure 8 Minimum loan amount may vary in some states to comply with applicable law.

Disclosure 9 For comparison purposes, a consumer who finances a new car for $25,000 at a term of 84 months and at an annual percentage rate (APR) of 6.51% would remit 84 payments of $371.00.

Disclosure 10 Your loan terms, including APR, may differ based on amount, term length, and your credit profile. Current rate range is 5.27% to 18.00%. Excellent credit is required to quality for lowest rates. Less than a majority of applicants qualified for lowest rate. Conditions and limitations apply. Advertised rates and terms are subject to change without notice. These offers are subject to credit approval under Truist underwriting guidelines including qualifying loans with certain debt to income, FICO® scores and other underwriting credit criteria.

Disclosure 11 Credit cards are subject to credit approval. For further information, view the Truist Future credit card disclosures.

{{lsiRateOptional:as of}} {{lsiRateDate}}

Disclosure 1 AutoPay discount is only available prior to loan funding. Rates without AutoPay are 0.50% points higher. Excellent credit required for lowest rate. Rates vary by loan purpose.

Disclosure 2 Your loan terms, including APR, may differ based on loan purpose, amount, term length, and your credit profile. Lowest rates require excellent credit. At least 25% of approved applicants applying for the lowest rate qualified for the lowest rate available based on data from 01/01/2025 to 03/31/2025. Rate is quoted with AutoPay discount. AutoPay discount is only available prior to loan funding. Rates without AutoPay are 0.50% points higher. Subject to credit approval. Conditions and limitations apply. Advertised rates and terms are subject to change without notice.

Payment example: Monthly payments for a $25,000 loan at 7.24% APR with a term of 3 years would result in 36 monthly payments of $774.67.

Maximum APR for a LightStream loan is {{lsiMaxRate}}% with AutoPay discount. Loan terms range from 24 - 240 months depending on the loan type.

{{lsiRateOptional:Rates are accurate as of}} {{lsiRateDate}} {{lsiRateOptional:and are subject to change.}} 

Disclosure 3 You can fund your loan today by wire transfer if today is a banking business day, your application is approved, and you complete the following steps before 2:30 pm ET: (1) review and e-sign your loan agreement; (2) provide us with your funding preferences and relevant banking information; and (3) complete the final verification process.

Disclosure 4 Truist will offer a rate 0.10 percentage points lower than the rate offered on any competing lender’s unsecured loan, provided that you were approved for that lower rate (with the same loan terms offered by Truist) no later than 2 pm ET two business days prior to loan funding. The Rate Beat Program excludes secured or collateralized loan offers from any lender, and the competitive offer must be available to any customer with a similar credit profile. Terms are subject to change at any time. If you believe you have been approved by another lender for a lower qualifying rate, sign in to your account and click on Submit Rate Beat Request to review your Rate Beat eligibility and upload the required documentation.

Disclosure 5 If you’re approved for a LightStream loan, you’re required to use the loan proceeds for the purpose selected in your loan application. Loan proceeds cannot be used to refinance an existing LightStream loan; fund college or post-secondary education expenses, or refinance loans used for those purposes; for business purposes; for cash out refinance purposes; to buy bonds, stocks, stock options, or pay back a loan against a stock option; contribute to a retirement account, life insurance policy, or education savings plan; or to purchase cryptocurrencies. Funding and payments must be made to and from your personal banking account. 

Disclosure 6 Estimated payment is based on the lowest APR. Rate range across all LightStream loan purposes: {{lsiMinRate}}% to {{lsiMaxRate}}% APR with AutoPay discount. (Exact rate within the range is determined by credit  profile and loan amount.) 

Disclosure 7 After you’ve been approved for a LightStream unsecured loan, funds can be deposited by wire transfer or ACH Monday through Friday, except on banking holidays.

For home improvement loans, you can schedule receipt of your funds within 90 days of approval. For all other loan purposes, you can schedule receipt of your funds to be delivered within 30 days after approval.

Schedule a wire transfer
If you opt for a wire transfer, be sure to contact your financial institution to clarify whether there are any special instructions or fees. You must sign in to your account and schedule funding the day prior to your desired receipt date.

Same-day wire transfer
You can fund your loan today by wire transfer if today is a banking business day, your application is approved, and you complete the following steps before 2:30 pm ET: (1) review and e-sign your loan agreement; (2) provide us with the funding preferences and relevant banking information; and (3) complete the final verification process.

Schedule a direct deposit ACH transfer
To receive funds through direct deposit ACH transfer, you must sign in to your account and schedule funding the day prior to your desired receipt date before 5:30 pm ET and schedule funding before 6 pm ET.

We can’t deposit funds into a business or third-party account. Funds must be deposited into your personal bank account.

Disclosure 8 Minimum loan amount may vary in some states to comply with applicable law.

Disclosure 9 For comparison purposes, a consumer who finances a new car for $25,000 at a term of 84 months and at an annual percentage rate (APR) of 6.51% would remit 84 payments of $371.00.

Disclosure 10 Your loan terms, including APR, may differ based on amount, term length, and your credit profile. Current rate range is 5.27% to 18.00%. Excellent credit is required to quality for lowest rates. Less than a majority of applicants qualified for lowest rate. Conditions and limitations apply. Advertised rates and terms are subject to change without notice. These offers are subject to credit approval under Truist underwriting guidelines including qualifying loans with certain debt to income, FICO® scores and other underwriting credit criteria.

Disclosure 11 Credit cards are subject to credit approval. For further information, view the Truist Future credit card disclosures.

{{lsiRateOptional:as of}} {{lsiRateDate}}

Disclosures

Truist Bank, Member FDIC. © 2025 Truist Financial Corporation. Truist, the Truist logo, Truist Purple, LightStream, and the LightStream logo are service marks of Truist Financial Corporation.

Equal Housing Lender

Investment and Insurance Products:

  • Are Not FDIC or any other Government Agency Insured
  • Are Not Bank Guaranteed
  • May Lose Value

TRUIST is a service mark of Truist Financial Corporation (Truist) and its affiliates.

Services provided by Truist Financial Corporation (Truist) affiliates: Banking products and services, including loans and deposit accounts, provided by Truist Bank, Member FDIC. Trust and investment management services provided by Truist Bank. Securities, brokerage accounts and/or annuities offered by Truist Investment Services, Inc., an SEC registered broker-dealer, and member FINRA and SIPC, and a licensed insurance agency. Investment advisory services offered by Truist Advisory Services, Inc. and GFO Advisory Services, LLC, SEC registered investment advisers. Some insurance products offered by Truist Investment Services, Inc. Other insurance products offered by Marsh & McLennan Agency, LLC (as successor in interest to McGriff Insurance Services, LLC) CA License #0H18131, Kensington Vanguard National Land Services, and Crump Life Insurance Services. Truist Life Insurance Services (TLIS) is a division of Crump, Arkansas License #100103477. Variable insurance material is for broker-dealer or registered representative use only. Variable products distributed by P.J. Robb Variable, LLC, Arkansas License #100110185. Member FINRA.

Marsh & McLennan Agency LLC, Kensington Vanguard National Land Services, Crump Life Insurance Services, Truist Life Insurance Services, and P.J. Robb Variable, LLC are not affiliated with Truist Financial Corporation or any of its subsidiaries.

Truist Securities is a trademark of Truist Financial Corporation. Truist Securities is a trade name for the corporate and investment banking services of Truist and its subsidiaries. All rights reserved. Securities and strategic advisory services are provided by Truist Securities, Inc., member FINRA and SIPC. Lending, financial risk management, and treasury management and payment services are offered by Truist Bank.

Mortgage products and services are offered through Truist Bank. All Truist mortgage professionals are registered on the Nationwide Mortgage Licensing System & Registry (NMLS), which promotes uniformity and transparency throughout the residential real estate industry. Search the NMLS Registry.

Comments regarding tax implications are informational only. Truist and its representatives do not provide tax or legal advice. You should consult your individual tax or legal professional before taking any action that may have tax or legal consequences.

"Truist Advisors" may be officers and/or associated persons of the following affiliates of Truist, Truist Investment Services, Inc., and/or Truist Advisory Services, Inc. Truist Wealth, International Wealth, Center for Family Legacy, Business Owner Specialty Group, Sports and Entertainment Group, and Legal and Medical Specialty Groups are trade names used by Truist Bank, Truist Investment Services, Inc., and Truist Advisory Services, Inc.

Applications, agreements, disclosures, and other servicing communications provided by Truist Bank and its subsidiary businesses will be provided in English. As a result, it will be necessary for customers to speak, read and understand English or to have an appropriate translator assisting them. Please note that Truist provides translations of webpages, documents and disclosures as a courtesy and in the event of any inconsistencies or discrepancies between the English content and the translated content, the English content supersedes the translation. Truist offers phone support in Spanish at 844-4TRUIST (844-487-8478), option 9. For assistance in other languages, please speak to a representative directly.

New York City residents:

Translation or other language access services may be available. When calling our office regarding collection activity, if you speak a language other than English and need verbal translation services, be sure to inform the representative. A description and translation of commonly-used debt collection terms is available in multiple languages at http://www.nyc.gov/dca.

Borrowers with Limited English Proficiency (LEP) needing information can use the following resources:

The Consumer Finance Protection Bureau (CFPB) also provides additional resources for homeowners seeking payment assistance in select languages at: https://www.consumerfinance.gov/housing/housing-insecurity/help-for-homeowners/

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