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Sites like LightStream

Compare online loans like LightStream – with more lending flexibility or easier eligibility.

LightStream, the personal loan arm of Truist, is a direct online lender with some of the lowest interest rates out there. And if you get a lower offer from another lender, LightStream will beat it by 0.10%, as long as you meet LightStream’s terms and conditions.

With this perk, LightStream is a go-to choice for those with great credit scores of 670 and above – but you may want to look elsewhere if your credit score is below this or you’re a recent college graduate trying to build a credit history.

Our top 6 picks for sites light LightStream

  • Alternative for new borrowers: Upstart
  • Alternative for fair credit borrowers: FreedomPlus
  • Alternative for good credit borrowers: Best Egg
  • Alternative for young professionals: SoFi
  • Alternative for healthcare providers: Laurel Road
  • Best for comparing multiple lenders: Credible

Alternative for new borrowers: Upstart

Upstart personal loans

8.3 Great

Go to site Read review

Upstart could be a better fit than LightStream if you're just starting out. It accepts credit scores as low as 300 and looks at factors like your education and career when making a decision. It also offers a more flexible range of loan amounts, starting from $1,000 – LightStream's minimum loan is $5,000.

Upstart's rates can be as low as 6.7% APR for the best credit borrowers, but its origination fees run as high as 10%. And it requires a lower DTI ratio than other lenders, so it isn't ideal for debt consolidation. But if you're just out of school, you may have a better chance of approval than with LightStream.

Min. credit score300
APR6.7% to 35.99%
Loan amount$1,000 to $50,000
  • Not available in: Connecticut, Iowa, Maine, Maryland, Nevada, New York, Oklahoma, Oregon, West Virginia

Alternative for fair credit borrowers: FreedomPlus

Achieve personal loans

6.8 Standard

Go to site Read review

FreedomPlus accepts fair credit borrowers with scores as low as 620 and allows cosigners which can help you get approved. It also offers rate discounts to borrowers who have more than $40,000 in retirement savings, have a qualified coapplicant, or are using the funds to pay off debt.

FreedomPlus has APRs from 8.99% to 29.99%, factoring in an origination fee from 1.99% to 6.99% – which LightStream doesn't charge. While customers give FreedomPlus overwhelmingly positive reviews online, it's not available in all states and doesn't offer loans under $5,000.

Min. credit score620
APR8.99% to 29.99%
Loan amount$5,000 to $50,000
  • Available in: Alabama, Alaska, Arizona, Arkansas, California, Delaware, Florida, Georgia, Idaho, Illinois, Indiana, Kentucky, Louisiana, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Jersey, New Mexico, North Carolina, Ohio, Oklahoma, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Washington

Alternative for good credit borrowers: Best Egg

Best Egg personal loans

8.6 Great

Go to site Read review

Best Egg may work if you make at least $25,000 a year and your credit score is above 640 but below 670 – which is LightStream's minimum. Best Egg offers quick loans with competitive rates to customers with good to excellent credit, but it charges an origination fee between 0.99% and 9.99%.

Best Egg has similar rates to LightStream, ranging from 7.99% to 35.99%, and it gets good reviews on sites like Trustpilot and the Better Business Bureau (BBB) website. Customers praise the company for its customer service and speedy turnaround, but it may be harder to qualify if you're self-employed.

Min. credit score640
APR7.99% to 35.99%
Loan amount$2,000 to $50,000
  • Not available in: Iowa, Vermont, West Virginia

Alternative for member perks: Sofi

SoFi personal loans

8.9 Great

Go to site Read review

Like LightStream personal loans with competitive rates starting at 9.49% APR. Both lenders offer the same personal loan amounts — $5,000 to $100,000 — though SoFi might charge fees to some borrowers.

While its personal loan rates might be slightly higher than LightStream, Sofi provides its borrowers with financial advisors and networking opportunities. It even has an and an entrepreneur program to provide seed funding for startups. These free resources are designed to help you get ahead financially when you're just starting your career.

Min. credit score680
APR9.49% to 29.99% fixed APR
Loan amount$5,000 to $100,000
  • Available in all states

Alternative for healthcare providers: Laurel Road

Laurel Road personal loans

8.4 Great

Laurel Road offers personal loans ranging from $1,000 to $80,000 to healthcare professionals that earn at least $60,000 a year, have a debt-to-income ratio of 40% or less and a credit score of at least 660. It also offers student loan refinancing with rates below 4% APR with discounts added in.

Laurel Road allows cosigners and offers competitive rates, even if you aren't a medical professional. But its loans are best for doctors and dentists: they can qualify for higher loan amounts and special rates. And if you're a resident or in a fellowship, you can make $25 monthly repayments until you've completed your program.

Min. credit score680
APR9.99% to 24.5%
Loan amount$5,000 to $80,000
  • Available in all states

Best for comparing multiple lenders: Credible

Credible personal loans

8.6 Great

Go to site Read review

While not a direct lender, the Credible connection service searches and matches you to multiple prequalified rates with personal loan lenders – which can help you save time. To get started, all you need to do is fill out a short online form and create an account.

Credible scans its network to find you prequalified rates from lenders. If matched, you'll be redirected to the lender's website to finalize your application. It's best for busy people looking for high loan amounts who don't mind using Credible's limited selection of partners.

Min. credit scoreFair to excellent credit
APR6.94% to 35.99%
Loan amount$1,000 to $200,000
  • Available in all states

How does LightStream compare?

LightStream has some of the most competitive rates available, but only if you have good to excellent credit. Here are the main pros and cons of this lender.

Pros

  • Loans up to $100,000
  • No origination fees
  • 0.10% best rate guarantee
  • Cosigners allowed
  • Available in all 50 states

Cons

  • Excellent credit required
  • No loans under $5,000
  • Hard to reach out to customer service by phone
Product Finder Score APR Min. credit score Loan amount
Finder score
7.99% to 35.99%
640
$2,000 to $50,000
Fast and easy personal loan application process. See options first without affecting your credit score.
Finder score
6.94% to 25.79%
Good to excellent credit
$5,000 to $100,000
Borrow up to $100,000 with low rates and no fees.
Finder score
6.94% to 35.99%
Fair to excellent credit
$1,000 to $200,000
Get personalized prequalified rates in minutes and then choose an offer from a selection of top online lenders.
Achieve logo
Finder score
8.99% to 29.99%
620
$5,000 to $50,000
Consolidate debt and more with these low-interest loans. Cosigners welcome.
Upstart Personal Loans logo
Finder score
6.7% to 35.99%
300
$1,000 to $50,000
This service looks beyond your credit score to get you a competitive-rate personal loan.
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What is the Finder Score?

The Finder Score crunches 6+ types of personal loans across 50+ lenders. It takes into account the product's interest rate, fees and features, as well as the type of loan eg investor, variable, fixed rate - this gives you a simple score out of 10.

Read the full Finder Score breakdown

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Writer

Kat Aoki was a personal finance writer at Finder, specializing in consumer and business lending. She’s written thousands of articles to help consumers make better decisions on their home loans, bank accounts, credit cards, cryptocurrency and more. Kat is well versed in working with leading brands in the real estate, mortgage and personal finance industries, and her expertise has been featured on Lifewire and financial comparison sites like iSelect and realestate.com.au. She holds a BS in business administration from California State University, Sacramento and enjoys hiking and yoga in her spare time. See full bio

Kat's expertise
Kat has written 157 Finder guides across topics including:
  • Mortgages
  • Home equity loans
  • Mortgage refinancing
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