LightStream Personal Loan vs. LightStream Auto Loan
Side-by-side comparison · Updated 2026 · Independently reviewed
WealthSpott Verdict
LightStream Auto Loan 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
LightStream Auto Loan
APR Range
7.99% – 25.99%
6.49% – 20.49% Best
Loan Amount
$5,000 – $100,000
$5,000 – $100,000
Term Length
24–84 months
24–84 months
Origination Fee
None
None
Min Credit Score
660+
660+
Funding Speed
Same day
Same 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
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
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