LightStream

LightStream provides low fixed rate, simple interest fully amortizing installment loans with no fees or prepayment penalties. The company offers a discount on rates with AutoPay, which is only available prior to loan funding. Loan terms range from 24 to 240 months, depending on the loan type, and funds can be disbursed as soon as the same day if certain conditions are met by 2:30 p.m. Eastern time on a banking business day. LightStream requires several years of credit history with a variety of account types for loan approval and approves loans only for good-to-excellent credit profiles. Loan proceeds cannot be used to refinance any existing loan with the company. Rates quoted include an AutoPay option, with an invoicing option that is 0.50% points higher. Advertised rates and terms are subject to change without notice, and the maximum APR for a loan is not specified but is subject to credit approval. LightStream partners with American Forests to plant a tree for every loan funded, having planted over a million trees so far. Customer service is available Monday to Friday from 9:30 a.m. to 7 p.m. and Saturday from Noon to 4 p.m. Eastern time. Application processing is available Monday to Friday from 10 a.m. to 6 p.m. and Saturday and Sunday from 1 p.m. to 6 p.m. Eastern time. The mailing address is PO Box 117320, Atlanta, GA 30368-7320. Lending services are provided by Truist Bank, an Equal Housing Lender.