LightStream Personal Loan vs. Discover Personal Loans
Side-by-side comparison · Updated 2026 · Independently reviewed
Discover Personal Loans
Discover Bank
4.4
APR 7.99–24.99%. $2.5K–$40K. No origination fee.
Full review →WealthSpott Verdict
LightStream Personal Loan wins on more measurable categories — particularly on rate and cost. Discover Personal Loans may still be the right fit depending on your loan amount and term needs.
Feature
LightStream Personal Loan
Discover Personal Loans
APR Range
7.99% – 25.99%
7.99% – 24.99%
Loan Amount
$5,000 – $100,000 Best
$2,500 – $40,000
Term Length
24–84 months
36–84 months
Origination Fee
None
None
Min Credit Score
660+
660+
Funding Speed
Same day
Next business day
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
Discover Personal Loans
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