LightStream Auto Loan vs. SoFi Student Loan
Side-by-side comparison · Updated 2026 · Independently reviewed
WealthSpott Verdict
SoFi Student Loan wins on more measurable categories — particularly on rate and cost. LightStream Auto Loan may still be the right fit depending on your loan amount and term needs.
Feature
LightStream Auto Loan
SoFi Student Loan
APR Range
6.49% – 20.49%
4.49% – 14.70% Best
Loan Amount
$5,000 – $100,000 Best
From $1,000
Term Length
24–84 months
60–180 months
Origination Fee
None
None
Min Credit Score
660+
650+ Best
Funding Speed
Same day
—
LightStream Auto Loan
Pros
- Very competitive rates
- Very competitive rates
- Same-day funding
- Same-day funding
- No fees
- No fees
Cons
- Best for strong credit
- Best for strong credit
- Online only
- Online only
SoFi Student Loan
Pros
- Competitive rates
- Competitive rates
- No fees
- No fees
- Member benefits
- Member benefits
Cons
- Requires cosigner for most
- Requires cosigner for most
- Good credit needed
- Good credit needed
Not sure which loan is right for you?
Browse all loans