Bank of America HELOC vs. LightStream Personal Loan
Side-by-side comparison · Updated 2026 · Independently reviewed
Bank of America HELOC
Bank of America
4.1
No closing costs, no annual fee HELOC with Preferred Rewards discounts for existing BofA customers.
Full review →
WealthSpott Verdict
LightStream Personal Loan wins on more measurable categories — particularly on rate and cost. Bank of America HELOC may still be the right fit depending on your loan amount and term needs.
Feature
Bank of America
LightStream Personal Loan
APR Range
8.60% – 14.40%
7.99% – 25.99% Best
Loan Amount
$25,000 – $1,000,000 Best
$5,000 – $100,000
Term Length
120–240 months
24–84 months
Origination Fee
No closing costs; no annual fee
None
Min Credit Score
680+
660+ Best
Funding Speed
2–4 weeks
Same day
Bank of America HELOC
LightStream Personal Loan
Pros
- Low APR for qualified borrowers
- Low APR for qualified borrowers
- Same-day funding
- Same-day funding
- No fees
- No fees
Cons
- Higher credit required
- Higher credit required
- No prequalification
- No prequalification
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