LightStream | Loans for Practically Anything

Time 2021-01-07 09:04:19

Web Name: LightStream | Loans for Practically Anything

WebSite: http://www.lightstream.com

ID:159330

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Loans,LightStream,for,

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Learn more about how we're responding to the coronavirus (COVID-19). Click here. Lending Uncomplicated®Rates vary by loan purpose.J.D. Power ranks LightStream #1 in customer satisfactionWe're proud to be ranked #1 in customer satisfaction for personal loans in the J.D. Power 2020 U.S. Consumer Lending Satisfaction Study. Surveyed consumers ranked LightStream highest in offering and terms, application and approval process, and loan management.For J.D. Power 2020 award information, visit jdpower.com/awardsWhat do you want to fund?Please note: Credit Card/Debt Consolidation loan amounts greater than $50,000 are only available for Excellent CreditGiven the unique nature of each individual s credit situation, LightStream believes there is no single definition for excellent credit. However, we find individuals with excellent credit usually share the following characteristics: 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.), cash down payments on real estate, retirement savings, and little, if any, revolving credit card debt Stable and sufficient income and assets to easily repay current debt obligations and any new loan with LightStreamFinally, it should be noted again that each individual situation is different and that we make our credit judgment based on the specific facts of that situation. Ultimately, our determination of excellent credit is based on whether we conclude that there is a very high likelihood that our loan will be repaid in a full and timely manner..Please note: Credit Card/Debt Consolidation loan terms greater than 60 months with a loan amount of less than $25,000 are only available for Excellent CreditGiven the unique nature of each individual s credit situation, LightStream believes there is no single definition for excellent credit. However, we find individuals with excellent credit usually share the following characteristics: 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.), cash down payments on real estate, retirement savings, and little, if any, revolving credit card debt Stable and sufficient income and assets to easily repay current debt obligations and any new loan with LightStreamFinally, it should be noted again that each individual situation is different and that we make our credit judgment based on the specific facts of that situation. Ultimately, our determination of excellent credit is based on whether we conclude that there is a very high likelihood that our loan will be repaid in a full and timely manner..Rates for each loan amount and term combination below are shown in a minimum to maximum range because LightStream rates and terms vary based on your credit profile. The lowest rate in each range requires that you have an Excellent CreditGiven the unique nature of each individual s credit situation, LightStream believes there is no single definition for excellent credit. However, we find individuals with excellent credit usually share the following characteristics: 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.), cash down payments on real estate, retirement savings, and little, if any, revolving credit card debt Stable and sufficient income and assets to easily repay current debt obligations and any new loan with LightStreamFinally, it should be noted again that each individual situation is different and that we make our credit judgment based on the specific facts of that situation. Ultimately, our determination of excellent credit is based on whether we conclude that there is a very high likelihood that our loan will be repaid in a full and timely manner. profile. N/A means that LightStream loans are not available for that loan amount and term combination.Rates for each loan amount and term combination below are shown in a minimum to maximum range because LightStream rates vary based on your credit profile. The lowest rate in each range is for LightStream's unsecured auto loan product and requires that you have an Excellent CreditGiven the unique nature of each individual s credit situation, LightStream believes there is no single definition for excellent credit. However, we find individuals with excellent credit usually share the following characteristics: 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.), cash down payments on real estate, retirement savings, and little, if any, revolving credit card debt Stable and sufficient income and assets to easily repay current debt obligations and any new loan with LightStreamFinally, it should be noted again that each individual situation is different and that we make our credit judgment based on the specific facts of that situation. Ultimately, our determination of excellent credit is based on whether we conclude that there is a very high likelihood that our loan will be repaid in a full and timely manner. profile. If your application is approved, your credit profile will determine your rate. N/A means that LightStream loans are not available for that loan amount and term combination. Rates quoted with AutoPay option. Invoicing option is 0.50% points higher. Fixed rate, simple interest fully amortizing installment loans, no fees or prepayment penalties. Loan proceeds may not be used to refinance any existing loan with LightStream. Florida loans subject to Florida Doc Stamp InfoUnder Florida law we are required to collect and transmit to the State of Florida, on your behalf, a documentary stamp tax. The amount of this tax, which is slightly more than .0035 times your loan amount (or just over $35 for a $10,000 loan), will be added to your loan amount if your loan request is approved and funded. Stamp tax is NOT included when determining loan interest rate.It s easy to find your rate.Apply onlineReceive your funds as soon as today.Accept loan agreementThat's it! Use your loanYou will receive a response shortly during business hours.Once approved, e-sign your loan agreement and set-up your loan for funding.Apply in minutes. Have funds in your account as soon as today.Credit historySeveral years of credit history with a variety of account types such as major credit cards, installment debt (vehicle loans), and mortgage debt if applicable.AssetsAn ability to save evidenced by: liquid assets, cash down payments on real estate, retirement savings, and manageable revolving credit card debt.IncomeStable and sufficient income and assets to repay current debt obligations and any new loan with LightStream.Payment historyA good payment history with few, if any, delinquencies or other problems repaying debt obligations.Finally, a loan that rewards your credit.When you have a track record of financial responsibility, you deserve an exceptional rate and superior service. LightStream customers share these characteristics:Our customers love us. Find out why.The LightStream experienceLearn more about how LightStream loans can be used to finance: * 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 07/01/2020 to 09/30/2020. 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.Maximum APR for a LightStream loan is 1 You can fund your loan today if today is a banking business day, your application is approved, and you complete the following steps by 2:30 p.m. Eastern time: (1) review and electronically sign your loan agreement; (2) provide us with your funding preferences and relevant banking information; and (3) complete the final verification process.Lightstream received the highest score in the personal loan segment of the J.D. Power 2020 U.S. Consumer Lending Satisfaction Study of customers satisfaction with their lending company. Visit jdpower.com/awards.Business Hours (Eastern time)Customer ServiceMonday - Friday: 9 a.m. to 8 p.m. Saturday: Noon to 4p.m.Saturday: Noon to 7 p.m.Truist Bank is an Equal Housing Lender. 2021Truist Financial Corporation. SunTrust, Truist, LightStream, the LightStream logo,and the SunTrust logo are service marks of Truist Financial Corporation.All other trademarks are the property of their respective owners.Lending services provided by Truist Bank. At LightStream, we care about the environment and, more importantly, we try to do something about it. For one, we have created a virtually paperless consumer loan experience at LightStream. By eliminating paper almost entirely from the LightStream loan process, we not only save our natural resources but we save on expenses as well, better enabling us to offer you highly competitive interest rates.In addition, for every loan that we fund for our customers, we will have a tree planted in one of our country's fragile habitat communities currently under restoration.You Are Leaving LightStream.comBy clicking Continue, you will be taken to a third-party Web site which is not affiliated with LightStream, a division of SunTrust Bank. The privacy policy, level of security or accessibility standards may differ from ours. We encourage you to review the privacy policy and security offered on the third-party site prior to providing any personal information. 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. You can click the Return to LightStream.com button now to return to the previous page.

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LightStream online lending offers loans for auto, home improvement and practically anything else, at low rates for those with good credit.

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