LightStream Personal Loan vs. Sallie Mae Student Loan

Side-by-side comparison · Updated 2026 · Independently reviewed

LightStream Personal Loan

LightStream

4.5

APR 7.99–25.99%. Up to $100K. Same-day funding.

Full review →

Sallie Mae Student Loan

Sallie Mae

4.3

APR 4.50–15.37%. Multiple repayment options.

Full review →

WealthSpott Verdict

LightStream Personal Loan and Sallie Mae Student Loan are closely matched. The right choice depends on your credit profile, desired loan amount, and how quickly you need funding.

Feature

LightStream Personal Loan

Sallie Mae Student

APR Range

7.99% – 25.99%

4.50% – 15.37% Best

Loan Amount

$5,000 – $100,000 Best

From $1,000

Term Length

24–84 months

60–180 months

Origination Fee

None

Min Credit Score

660+

Funding Speed

Same day

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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

Full review

Sallie Mae Student Loan

Full review

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