Financing for projects that don’t fit a category.
One fixed rate, no collateral, funds sent straight to your account — for the worthwhile expense that does not fit a category. If it is a real plan with a real number, it is financeable.
Fixed rates from
10.99%APR with AutoPay*
Assumes excellent credit. Your rate is determined by your credit profile, amount, and term.
Checking your rate does not affect your credit score.
What it covers.
- A major purchase that does not fit a standard category
- A one-time expense you would rather not put on a card
- A professional, medical, or family cost paid on your schedule
- A project you have priced out and are ready to fund
Why a Lightstream loan.
No collateral, no questions on use
The loan is unsecured and funded to your account, so you decide what it is for. Nothing is pledged and no purchase is dictated by the lender.
A fixed payment you set
Whatever the purpose, the rate is fixed the day it funds and the payment holds for the full term — predictable in a way a credit card never is.
One place instead of several cards
A large one-off cost split across cards is expensive and hard to track. A single loan consolidates it into one payment at one rate.
Funded fast when it matters
Same-day approval for qualified applicants means the money is ready when the expense is, not days later.
Loan amounts and terms.
- Loan amounts
- $3,000 – $100,000
- Repayment terms
- 2–12 years
| Loan term | APR range with AutoPay* | Example payment per $10,0002 |
|---|---|---|
| 3 years | 10.99%–21.99% | $327.34/mo |
| 4 years | 11.79%–22.79% | $262.31/mo |
| 5 years | 12.69%–23.69% | $225.95/mo |
| 6 years | 12.69%–23.69% | $199.11/mo |
| 7 years | 13.79%–24.79% | $186.24/mo |
| 10 years | 13.79%–24.79% | $154.01/mo |
Funds can be received as soon as the same business day for applications approved before 2:30 p.m. Eastern time.¹
Frequently asked questions.
Almost any legitimate personal expense — a large purchase, a professional or medical cost, a family expense, or a project that does not match a named category. Because it is unsecured and funds to your account, you are not required to document the specific use to us the way a secured or purpose-restricted loan would demand.
Personal loans are for lawful personal, family, or household purposes. They are not intended for business financing, securities or speculative investing, or anything unlawful. If your need is business-related, a business lender is the right fit instead.
Price out the expense first, then use the calculator to test amounts and terms until the monthly payment fits your budget. Borrow to the real number plus a small cushion; any unused amount can simply be paid back down against the loan.
Every purpose is priced from the same engine on your credit, term, and amount. A general-purpose loan carries a modest purpose adjustment; the calculator shows your exact rate before you continue, with no obligation.
Related loan purposes.
Disclosures
*Loan terms vary by loan purpose, amount, term, and credit profile. The lowest advertised rates require excellent credit. 29.46% of approved applicants who applied for the lowest rate qualified for it, based on data from 01/01/2026 to 03/31/2026. The rate quoted includes the AutoPay discount; the AutoPay discount is only available prior to loan funding, and rates without AutoPay are 0.50% points higher. All loans are subject to credit approval; additional conditions and limitations apply. Advertised rates and terms are subject to change without notice.
¹Same-day funding is available if your loan is approved on a banking business day and, by 2:30 p.m. Eastern time, you complete these steps: (1) review and electronically sign your loan agreement; (2) provide us with your funding preferences and relevant banking information; (3) complete the final verification process.
²Example payments are per $10,000 borrowed at the lowest APR shown for that term, include the AutoPay discount, and assume excellent credit. Your payment is determined by your amount, term, and credit profile.
Payment example: Monthly payments for a $10,000 loan at 7.24% APR with a term of 3 years would result in 36 monthly payments of $309.87.
Maximum APR for a Lightstream loan is 25.39%. Loan terms range from 24 – 240 months depending on the loan purpose.