Overview: LightStream, a division of Truist, offers loans for practically any occasion and generous repayment terms. They offer auto loans, home improvement loans, loans for a medical emergency, a family need and countless other reasons you might need to borrow money.

Perks: Repayment terms range from two to 12 years, which means you can take longer to pay off your loan and benefit from lower monthly payments. Maximum loan amounts go up to $100,000, which is good if you need to borrow more money. There are no fees, no prepayment penalties and you get a discount on your interest rate when you sign up for autopay.

What to watch out for: You’ll need to prove you have a few years’ worth of credit history with many different account types to qualify. Delinquencies, default and late payments could hurt your eligibility chances.
Lender     Lightstream
Bankrate Rating     4.0 / 5.0
Min. Credit Score     660
Est. APR     4.99%-16.79% (with autopay)
Loan Amount     $5,000 – $100,000
Term Lengths     2 to 12 years
Min. Annual Income     None
Fees     None