LightStream: High-dollar debt consolidation loans

Bankrate Score = 4.5/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
The annual percentage (APR) includes your interest rate, plus any loan fees. It reflects the total cost of borrowing.
This lender is registered in states where it does business, has a Consumer Loan Company License and was vetted by the Bankrate Editorial team.
If you want to consolidate multiple debts into one easy-to-manage payment, LightStream gives you the most borrowing power with terms as long as 84 months. For example, you could combine your car and boat loan, and clear out some credit card debt, at rates below 7 percent if you have excellent credit and plenty of income to qualify.
- Good-to-excellent credit profile
- Several years of mixed credit
- Assets or savings
- Earn a stable, sufficient income
- Few reported delinquencies
- None
Same day if approved before 2:30 ET, Monday through Friday
Pros
- Loan amounts up to $100k
- Flexible repayment terms as long as seven years
- No fees and offers rate beat program
Cons
- High minimum credit score requirement
- No prequalification option
- High minimum loan amount
Truist Bank is an Equal Housing Lender. © 2025 Truist Financial Corporation. Truist, LightStream, and the LightStream logo are service marks of Truist Financial Corporation. All other trademarks are the property of their respective owners. Lending services provided by Truist Bank.