LightStream Personal Loan vs. Upstart Personal Loan
Side-by-side comparison · Updated 2026 · Independently reviewed
WealthSpott Verdict
LightStream Personal Loan and Upstart Personal 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
Upstart Personal Loan
APR Range
7.99% – 25.99%
6.40% – 35.99% Best
Loan Amount
$5,000 – $100,000 Best
$1,000 – $50,000
Term Length
24–84 months
36–60 months
Origination Fee
None Best
0–12% of loan amount
Min Credit Score
660+
300+ Best
Funding Speed
Same day
1 business 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
Upstart Personal Loan
Pros
- Considers education and job history
- Considers education and job history
- May approve fair credit
- May approve fair credit
- Fast 1-day funding
- Fast 1-day funding
Cons
- APR can be high for some
- APR can be high for some
- Origination fee possible
- Origination fee possible
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