SoFi Personal Loan vs. LightStream Personal Loan
Side-by-side comparison · Updated 2026 · Independently reviewed
WealthSpott Verdict
LightStream Personal Loan wins on more measurable categories — particularly on rate and cost. SoFi Personal Loan may still be the right fit depending on your loan amount and term needs.
Feature
SoFi Personal Loan
LightStream Personal Loan
APR Range
8.99% – 25.81%
7.99% – 25.99% 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
680+
660+ Best
Funding Speed
Same day
Same day
SoFi Personal Loan
Pros
- No origination or prepayment fees
- No origination or prepayment fees
- Unemployment protection available
- Unemployment protection available
- Fast online application
- Fast online application
Cons
- Good credit typically required
- Good credit typically required
- Not available in all states
- Not available in all states
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
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