LightStream offers personal loans with low rates and no fees for borrowers with good to excellent credit. LightStream also doesn’t charge fees for loan origination, late payments or prepayment. However, the LightStream Login portal allows you to manage your online account activities like making your LightStream loan payment, Updating your contact information and lots more.
Among its many consumer-friendly features, LightStream allows borrowers to choose when they receive their money. It can deposit funds into your account as early as the same day or up to 30 days after approval. Scheduling a later fund date can allow time to plan for your first payment or give you flexibility in aligning your loan with the start of a home improvement project or other large expense.
Not only that, the LightStream Login portal enables customers with funded loans to virtually manage all aspects of their relationship with them without ever having to step foot into your local branch. If you are looking for instructions on how to log in to your LightStream loan account to make your LightStream loan payments, this post got you covered.
What You Should Know LightStream Loan
LightStream is the online consumer lending division of Truist, which formed in 2019 from the merger of BB&T and SunTrust. SunTrust acquired the assets of online lender FirstAgain in 2012 and relaunched the business as LightStream.
LightStream offers a unique lending solution that allows customers with strong credit to borrow funds for purchases that had previously required collateral, or that fall into categories where few or no loan options exist. With fixed competitive rates and flexible terms, a LightStream loan for $5,000 to $100,000 can be delivered directly to a borrower’s bank account, often as soon as the same day. There are no fees or charges, nor penalties for early payment.
LightStream is best for borrowers who:
- Have good or excellent credit (690 FICO or higher) and several years of credit history.
- Are considering a personal loan for home improvement.
- Want a large loan at a competitive rate.
You’ll find that your LightStream loan is cost-efficient, offered at a competitive rate, and in an environmentally friendly manner that is virtually paperless!
A LightStream loan can be used for:
LightStream requires you to use your personal loan for the purpose you selected in your application. Loans can be used to finance:
- Vehicles. Purchase a new, used or classic car; get a motorcycle; buy out a lease; or refinance.
- Home improvement loans. Finance a basement remodel, a hot tub, a kitchen makeover, a landscaping project, a solar energy system or a pool.
- Recreation loans. Pay for a big-ticket item, such as a boat, an aircraft, an RV, a timeshare or destination club, or refinance a boat loan, an RV loan or boat repair.
- Loans for family needs. Cover adoption costs, medical or dental procedures, in vitro fertilization and fertility treatments, pre-K through 12th grade educational expenses, or weddings.
- Other purchases. Consolidate debt, pay for an engagement ring, buy land or finance a tiny home.
You cannot use a LightStream loan to:
- Pay for higher education.
- Refinance other LightStream loans.
- Purchase bonds, stocks or stock options, or pay back a loan against a stock option.
- Contribute loan proceeds to retirement, life insurance or education savings plans.
LightStream’s Online Features
LightStream’s application process is online, including signing the loan agreement and scheduling the loan deposit. You may use the lender’s rate calculator to view a range of lowest APRs based on loan amount and purpose. If you have an online LightStream account, you can use it to:
- Check payment due dates
- Monitor account balances
- Review your loan and payment history.
- Make extra payments or pay off your loan.
- Update your contact information or security information, such as your password.
- Apply for another loan.
Alternatively, the LightStream mobile app allows you to check payment due dates, monitor account balances, make payments and apply for a new loan.
LightStream Login Steps: How To Manage Your LightStream Loan Account Online
LightStream’s online account services area enables their customers with funded loans to virtually manage all aspects of their relationship with them online. With your LightStream Loan Account you can:
- Review your loan(s) and payment history.
- Make extra payments or pay off your loan.
- Update your contact information.
- Update your security information (user id, password, security question and answer).
- Conveniently apply for another loan.
Step 1: If you have a funded loan – just go to https://www.lightstream.com/customer-sign-in to begin.
Step 2: Upon reaching the LightStream login page, provide your User ID or Email followed by your password and then press “Submit”. If the particulars entered are correct you will also be taken to your account dashboard.
Once logged in, you can view your account summary, make your loan payments, and update your profile information. You can also activate paperless statements and set up autopay to have your monthly statement automatically paid each month from a checking or savings account.
If there have been multiple unsuccessful attempts to sign into your account, they will temporarily suspend your online account access for your security. They will send an email with instructions to the email address they have on file for your account.
LightStream Loan Payment Options
Due to their billing cycle, an invoice payment or one-time electronic payment received 18 or more days before your payment due date will be applied as an extra payment. Your regularly scheduled payment will still be due by the due date when an early payment is made.
When you set up your loan for AutoPay, your payment comes to them directly from your bank account. Because this is a more efficient arrangement, it enables them to lower your rate. If you choose to pay by invoice, your rate will be 0.50% points higher. With either method, you have the option to schedule a one-time payment by signing in to your account.
AutoPay Customers: Your regularly scheduled payment will always be debited on your payment due date. Any check or additional electronic payment will be applied as an extra payment.
Invoice Customers: The best way to make an extra payment is to include it with your regularly scheduled payment, which must be received by your payment due dat
LightStream does not charge any penalties for prepaying your loan, in whole or in part. You may make extra payments at any time by signing in to your account.
Payments cannot be processed the same day. You must sign into your account at least two business days before your desired payment date. Please note, if you are an invoice client and making your monthly payment, you must log in two business days prior to your upcoming payment due date.
LightStream Contact Information
For any other questions or comments, you may email them at firstname.lastname@example.org. They will respond promptly during their normal business hours, Monday through Friday, 10:00 a.m. to 8:00 p.m. and Saturday, noon to 4:00 p.m. Eastern time.
A customer support phone number is not available, but an FAQ webpage gives quick answers to questions. For instance, you cannot change your payment due date after you receive your loan, and you cannot pay at a Truist branch if you are an invoice customer. Notably, you also cannot make a same-day payment online and must sign into your account at least two business days before the due date.
PO Box 117320
Atlanta, GA 30368-7320