Truist / LightStream (loans): verified facts and rating
Licensed since: 1872 Checked 2026-10-30
Score breakdown
76% backed by facts · How we rank
Truist / LightStream (loans) against the market
The dot is the company, the line is the median of all companies in this ranking.
Published rate, % of country reference82%125%122% · median 100%
Support hours a week52 h168 h52 h · median 83 h
Maximum amount, % of country reference70%300%200% · median 100%
Longest term60 mo84 mo84 mo · median 60 mo
Truist / LightStream (loans) strengths and weaknesses
Pros
- Long licence history
- Licence confirmed by the official list or a stated licence number
- No arrangement fee in the standard terms
- Terms state that early repayment is free
Cons
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All facts
| Fact | Value | Source | Checked |
|---|---|---|---|
| Licensed since | 1872 ESTYMD 01/01/1872 | api.fdic.gov | 2026-10-30 |
| Licensed by the regulator | Yes FDIC cert 9846, ACTIVE 1 (Truist Bank) | api.fdic.gov | 2026-10-30 |
| Published rate, % of country reference | 122% Rates range from 9.99%-23.94% APR w/ AutoPay (debt consolidation); without AutoPay 0.50% points higher; maximum APR for a LightStream loan is 25.44% · APR 9.99% · index 100 = 8.2% (median at launch) | lightstream.com | 2026-10-30 |
| Free early repayment | Yes does not charge any penalties for prepaying your loan, in whole or in part | lightstream.com | 2026-10-30 |
| No arrangement fee | Yes LightStream loans do not have any fees. | lightstream.com | 2026-10-30 |
| Fees or terms published | Not verified | — | |
| Complaints procedure | Not verified | — | |
| Online application for new customers | Yes You must complete and submit our online application; you do not need to be an existing customer | lightstream.com | 2026-10-30 |
| Support hours a week | 52 h Customer Service Monday-Friday: 9:30 a.m. to 7 p.m. & Saturday: Noon to 4 p.m. (51.5 h, rounded) | lightstream.com | 2026-10-30 |
| Maximum amount, % of country reference | 200% $5,000 to $100,000 · max 100000 USD · index 100 = 50000 USD (median at launch) | lightstream.com | 2026-10-30 |
| Longest term | 84 mo from 24 to 84 months (debt consolidation) | lightstream.com | 2026-10-30 |