LightStream Personal Loan vs. SoFi Student Loan
Side-by-side comparison · Updated 2026 · Independently reviewed
WealthSpott Verdict
SoFi Student 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
SoFi Student Loan
APR Range
7.99% – 25.99%
4.49% – 14.70% Best
Loan Amount
$5,000 – $100,000 Best
From $1,000
Term Length
24–84 months
60–180 months
Origination Fee
None
None
Min Credit Score
660+
650+ Best
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
SoFi Student Loan
Pros
- Competitive rates
- Competitive rates
- No fees
- No fees
- Member benefits
- Member benefits
Cons
- Requires cosigner for most
- Requires cosigner for most
- Good credit needed
- Good credit needed
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