Lowest APR
LightStream — Personal Loan Review
LightStream's personal loan starts at 7.49% APR for qualified borrowers as of June 2026.
APR
7.49%
APR
7.49%
Loan type
Personal Loan
Term
36 mo
Min credit
660
Origination fee
None
Max amount
$100,000
Overview
LightStream offers personal loans with APRs starting at 7.49%. AutoPay required.
For June 2026, rates are benchmarked against the Federal Reserve's G.19 release for consumer credit (48-month auto and 24-month personal). Your final APR depends on credit score, income, debt-to-income ratio, and loan term.
No origination fee on this product.
Pros
- +Starting APR of 7.49% is competitive for personal loans
- +Transparent fee disclosure
- +36-month term provides predictable payments
Cons
- −Requires 660+ FICO for best rates
- −APR varies by borrower
- −Prequalification may impact your rate quote
How it compares
How we review
We review loans using verified rate data and lender disclosures. Rankings prioritize rate, fees, terms, and institutional safety — not affiliate payout. Read the full methodology.