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
- 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 objective emboss tax. The sum of this tax, which is slenderly more than .0035 times your loanword sum ( or just over $ 35 for a $ 10,000 lend ), will be added to your loanword sum if your loanword 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 easy to
find your rate
customers love us
. Find out why.
Sooner or later, 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, divorce, illness of a positron emission tomography, or caring for an aged rear that can well tip us from financially confident into a site where our level of debt starts causing real anxiety. You can save money each month, if you have good credit, by consolidating multiple debt payments into a individual payment at a lower interest rate .
What is debt consolidation ? For many, a debt consolidation loanword is a way to take back see. You can free yourself from revolving debt and the necessitate to keep track of multiple balances and payment-due dates, and find relief from the stress and anxiety of paying excessively much interest on your debt. A debt consolidation lend allows you to :
- Combine multiple debt payments into a unmarried monthly payment .
- Pay a lower rate, and save money .
- Get a fixed pace, so your requital measure can not go up .
- Know precisely when your debt will be paid off .
What are the benefits of a debt consolidation loanword ? When you ‘re paying excessively much pastime on a credit card balance or personal loan, you could save thousands by lowering your interest rate. But debt consolidation is not for everyone. It ’ s a thoroughly mind when :
- You have a beneficial credit score .
- Your cash flow can cover your debt payment .
- You have a plan to pay off your debts, and change the habits that got you into debt in the first put .
Is debt consolidation good for me ? Consolidating your debt can help you :
- Save money with a lower pastime rate .
- Simplify your budgeting with a individual fixate requital.
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- even pay your debt off oklahoman .
When you have thoroughly credit, consolidating your existing debt can be a gradation toward greater control of your finances .
How can debt consolidation help me ? With LightStream, you can consolidate credit card debt, or early outstanding debt you may have, including car loans and personal loans, emergency checkup and positron emission tomography caution costs, home repairs and vacations. You can not use a LightStream lend to pay off a scholar loan or an existing LightStream loan .
What can or ca n’t I consolidate ? Debt consolidation is the march of combining several debt payments into one fresh, individual loan, and it typically results in a lower concern rate and a faster return of your debt. Loan refinance is getting a fresh lend for a single existing debt, normally to obtain a lower interest rate and / or different payment terms .
How is debt consolidation different than lend refinance ? When you consolidate your debt with LightStream, you choose your
fund date, which could be equally soon as the day you apply, so you
can pay off your debt immediately. You besides choose your repayment
terms — from 24 to 84 months — so you control the pace at which
you repay your LightStream loan .
Can a debt consolidation loanword help me pay my debt off quick ? Credit circuit board consolidation involves combining multiple credit card debt payments into one payment, normally with a lower sake rate .
What is credit batting order consolidation ? A credit tease consolidation loan is a loan that allows you to pay off all of your recognition calling card debt with good one easy payment per calendar month .
What is a recognition card consolidation loan ? While a 0 % puzzle rate like those offered by citation card companies is attractive in the short term, you should look cautiously at what the pastime rate will rise to after the introductory time period. A credit card consolidation loanword offers a fix rate, so you can budget consequently, knowing that your rate will never increase. You ’ ll besides know precisely when you ’ ll be done making payments .
What about 0 % introductory balance transfer offers ?
Learn more about how LightStream loans can be used to finance:
Your loan terms, including APR, may differ based on loan determination, sum, term length, and your credit visibility. Lowest rates require excellent citation. At least 24 % of approve applicants applying for the lowest rate qualified for the lowest rate available based on data from 01/01/2022 to 03/31/2022. rate is quoted with AutoPay discount rate. AutoPay rebate is only available anterior to loanword fund. Rates without AutoPay are 0.50 % points higher. Subject to credit approval. Conditions and limitations apply. Advertised rates and terms are subject to change without detect .
Maximum APR for a LightStream loan is .
You can fund your loan nowadays if today is a bank business day, your lotion is approved, and you complete the follow steps by 2:30 post meridiem eastern time : ( 1 ) review and electronically sign your lend agreement ; ( 2 ) provide us with your support preferences and relevant bank information ; and ( 3 ) complete the concluding verification procedure .
LightStream will offer a rate .10 share points lower than the rate offered on any competing lender ’ second unguaranteed loanword provided that you were approved for that lower rate ( with the same loan terms offered by LightStream ) no late than 2 post meridiem Eastern clock time two clientele days anterior to loan fund. The Rate Beat Program excludes secured or collateralize lend offers from any lender, and the competitive offer must be available to any customer with a exchangeable credit profile. Terms are subject to change at any prison term. If you believe you have been approved by another lender for a lower qualify rate, log in to your account and cluck on “ Submit Rate Beat Request ” to review your Rate Beat eligibility and upload the compulsory software documentation .
Business Hours ( Eastern time )
Monday – Friday : 10 ante meridiem to 8 post meridiem & Saturday : noon to 4 p.m .
Saturday : noon to 4 p.m .
Monday – Friday : 10 ante meridiem to 6 p.m .
Saturday & Sunday : 1 post meridiem to 6 p.m.
PO Box 117320
Atlanta, GA 30368-7320
Truist Bank is an equal Housing Lender.
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are service marks of Truist Financial Corporation. All early trademarks are the
property of their respective owners. Lending services provided by Truist Bank .