support@lightstreamfinancialefts.com

How LightStream Works

Getting a personal loan with LightStream is simple, fast, and transparent. Here's how our process works from start to finish.

Step 1

Complete our simple online application in just a few minutes. No paperwork required.

Step 2

Receive an instant decision. If approved, review and accept your loan terms.

Step 3

Get your funds as soon as the same day you're approved, often within hours.

Step 4

Use your loan for any purpose - debt consolidation, home improvement, or major purchases.

Qualification Requirements

Be at least 18 years old

Be a U.S. citizen or permanent resident

Have a good to excellent credit score (typically 660+)

Have steady income and employment history

Meet our debt-to-income requirements

Social Security number

Government-issued ID

Proof of income (pay stubs, tax returns)

Bank account information

Employment information

Join hundreds of thousands of satisfied customers who chose LightStream for their personal loan needs.

Checking your rate won't affect your credit score