Debt Consolidation Loan | LightStream
Debt Consolidation Loan | LightStream

Debt Consolidation Loan | LightStream



Ready for less interest and more savings?

When you get a LightStream debt consolidation loan, it’s a streamlined online loan process that gives you the choice of your funding date and repayment terms. It’s an easy way to start paying less interest each month—so you can start saving fast! In fact, we can approve and get funds into your account as soon as the day you apply.

You can expect a fantastic rate.

Our rates are extremely competitive. Plus, there are no appraisals, pre-payment penalties, home-equity requirements or fees. You can be confident you’re not over-paying on interest, because we back our low rates with our Rate Beat Program.

Control your financial destiny.

Control means knowing exactly what your single monthly payment will be, and when it’s going to end. That’s the power of a low-interest, fixed-rate LightStream loan from $5,000 to $100,000. Unlike credit card payments, for example, your LightStream loan payment is never going up, so you can budget more precisely, with no surprises.

Take a big step towards controlling your

financial future


  • Fixed rate, simple interest fully amortizing installment loans, no fees or prepayment penalties.
  • Rates quoted with AutoPay option. Invoicing option is 0.50% points higher.
  • Loan proceeds may not be used to refinance any existing loan with LightStream.
  • Florida loans subject to 

    Florida Doc Stamp Info

    Under Florida law we are required to collect and transmit to the State of Florida, on your behalf, a documentary revenue stamp tax. The measure of this tax, which is slenderly more than .0035 times your lend come ( or just over $ 35 for a $ 10,000 lend ), will be added to your loan come if your loan request is approved and funded. Stamp tax is NOT included when determining loan interest rate .
    . The tax amount is not included in the quoted APR.

It ‘s slowly to

find your rate


customers love us

. Find out why.

Sooner or belated, most of us are going to find ourselves with more debt than we truly want. It could be the gradual accumulation of interest on revolving debt creeping up on us. Or it might be an consequence involving health, disassociate, illness of a pet, or caring for an aged parent that can easily tip us from financially confident into a situation where our floor of debt starts causing veridical anxiety. You can save money each month, if you have good credit, by consolidating multiple debt payments into a unmarried payment at a lower interest rate .
What is debt consolidation ? For many, a debt consolidation loan is a way to take back control. You can free yourself from revolving debt and the need to keep track of multiple balances and payment-due dates, and find easing from the stress and anxiety of paying excessively much interest on your debt. A debt consolidation loan allows you to :

  • Combine multiple debt payments into a single monthly payment .
  • Pay a lower rate, and save money .
  • Get a situate rate, so your payment amount can not go up .
  • Know precisely when your debt will be paid off .

What are the benefits of a debt consolidation loan ? When you ‘re paying besides much pastime on a recognition menu proportion or personal loanword, you could save thousands by lowering your pastime pace. But debt consolidation is not for everyone. It ’ s a full theme when :

  • You have a good credit score .
  • Your cash stream can cover your debt payment .
  • You have a design to pay off your debts, and change the habits that got you into debt in the first place .

Is debt consolidation right for me ? Consolidating your debt can help you :

  • Save money with a lower pastime rate .
  • Simplify your budgeting with a single repair payment.

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  • even pay your debt off preferably .

When you have good credit, consolidating your existing debt can be a step toward greater operate of your finances .
How can debt consolidation help me ? With LightStream, you can consolidate recognition tease debt, or other outstanding debt you may have, including car loans and personal loans, emergency medical and darling care costs, home repairs and vacations. You can not use a LightStream loan to pay off a student loan or an existing LightStream lend .
What can or ca n’t I consolidate ? Debt consolidation is the serve of combining respective debt payments into one raw, individual loanword, and it typically results in a lower matter to rate and a faster bribe of your debt. Loan refinance is getting a new lend for a single existing debt, normally to obtain a lower interest rate and / or different payment terms .
How is debt consolidation different than loan refinance ? When you consolidate your debt with LightStream, you choose your
fund date, which could be ampere soon as the day you apply, so you
can pay off your debt immediately. You besides choose your refund
terms — from 24 to 84 months — so you control the yard at which
you repay your LightStream loan .
Can a debt consolidation lend help me pay my debt off flying ? Credit card consolidation involves combining multiple credit rating wag debt payments into one payment, normally with a lower pastime rate .
What is credit card consolidation ? A accredit tease consolidation lend is a loan that allows you to pay off all of your credit menu debt with good one easy requital per month .
What is a recognition card consolidation lend ? While a 0 % teaser pace like those offered by credit calling card companies is attractive in the abruptly term, you should look cautiously at what the matter to rate will rise to after the introductory period. A credit card consolidation lend offers a repair rate, so you can budget consequently, knowing that your pace will never increase. You ’ ll besides know precisely when you ’ ll be done making payments .
What about 0 % introductory symmetry remove offers ?

Learn more about how LightStream loans can be used to finance:

Your lend terms, including APR, may differ based on loanword purpose, total, term duration, and your credit visibility. Lowest rates require excellent credit. At least 24 % of approve applicants applying for the lowest rate qualified for the lowest pace available based on data from 01/01/2022 to 03/31/2022. rate is quoted with AutoPay discount. AutoPay discount is only available anterior to loanword fund. Rates without AutoPay are 0.50 % points higher. Subject to credit blessing. Conditions and limitations apply. Advertised rates and terms are subject to change without notice .

Maximum APR for a LightStream loan is .
You can fund your loan today if today is a bank business day, your application is approved, and you complete the be steps by 2:30 post meridiem eastern time : ( 1 ) recapitulation and electronically sign your loanword agreement ; ( 2 ) provide us with your fund preferences and relevant banking data ; and ( 3 ) complete the final confirmation process .
LightStream will offer a rate .10 percentage points lower than the rate offered on any competing lender ’ sulfur unguaranteed loanword provided that you were approved for that lower rate ( with the lapp loanword terms offered by LightStream ) no by and by than 2 post meridiem Eastern time two commercial enterprise days anterior to lend fund. The Rate Beat Program excludes secured or collateralize loanword offers from any lender, and the competitive offer must be available to any customer with a like citation visibility. Terms are subject to change at any time. If you believe you have been approved by another lender for a lower passing rate, log in to your account and click on “ Submit Rate Beat Request ” to review your Rate Beat eligibility and upload the ask documentation .

Business Hours ( Eastern time )
Customer Service
Monday – Friday : 10 ante meridiem to 8 post meridiem & Saturday : noon to 4 p.m .
Saturday : noon to 4 p.m .
application Processing

Monday – Friday : 10 ante meridiem to 6 p.m .
Saturday & Sunday : 1 post meridiem to 6 p.m.

Mailing Address
PO Box 117320
Atlanta, GA 30368-7320
E H L. Truist Bank is an peer Housing Lender.
© 2022 Truist Financial Corporation. Truist, LightStream, and the LightStream logo
are service marks of Truist Financial Corporation. All early trademarks are the
property of their respective owners. Lending services provided by Truist Bank .

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