LightStream Personal Loan vs. Earnest Student Loan Refinance
Side-by-side comparison · Updated 2026 · Independently reviewed
WealthSpott Verdict
Earnest Student Loan Refinance wins on more measurable categories — particularly on rate and cost. LightStream Personal Loan may still be the right fit depending on your loan amount and term needs.
Feature
LightStream Personal Loan
Earnest Student Loan
APR Range
7.99% – 25.99%
4.96% – 9.99% Best
Loan Amount
$5,000 – $100,000
$5,000 – $500,000 Best
Term Length
24–84 months
60–240 months
Origination Fee
None
None
Min Credit Score
660+
650+ Best
Funding Speed
Same day
2–3 weeks
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
Earnest Student Loan Refinance
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