LightStream Personal Loan vs. SoFi Auto Loan

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

LightStream logo
LightStream Personal Loan
LightStream
4.5

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

Full review →
SoFi logo
SoFi Auto Loan
SoFi
4.5

APR 5.99–17.99%. Purchase or refinance. No fees.

Full review →
WealthSpott Verdict

LightStream Personal Loan and SoFi Auto 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
SoFi Auto Loan
APR Range
7.99% – 25.99%
5.99% – 17.99% 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+ Best
680+
Funding Speed
Same day
A few days
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
SoFi Auto Loan
Pros
  • Purchase and refinance available
  • Purchase and refinance available
  • No fees
  • No fees
  • Member benefits
  • Member benefits
Cons
  • Good credit needed
  • Good credit needed
  • Online only
  • Online only
Full review

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