The LightStream (Truist) Personal Loan Excellent Credit is a personal loan from LightStream (Truist) Personal Loan. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 6.94% - 25.99% (0.50% autopay discount available). Approval typically requires a credit score of 680 or higher. Rewards: LightStream only approves good-to-excellent credit profiles.. Typical credit limit: $5,000 - $100,000 (up to $50K no-doc). Funding speed: Have funds in your account as soon as today.. Loan terms: Loan terms range from 24 - 240 months depending on the loan type.. This product reports activity to your personal credit report. [SOFT PULL for pre-approval, HARD PULL on acceptance] | Backed by Truist Bank. No-doc approval up to $50K — no pay stubs, tax returns, or income verification required. Up to $100K with income verification. Zero fees — no origination, no prepayment, no late fees. Same-day funding common, deposited directly into checking account. Typically pulls TransUnion (FICO 8), occasionally Equifax. No pre-approval/soft pull option — hard inquiry required. Reports as unsecured personal installment loan on credit report regardless of loan purpose — keeps your file clean for future auto loans and boosts credit mix. 0.50% APR discount for enrolling in autopay before accepting the loan. Home improvement loans can extend to 240 months (20 years). Always send funds to a personal checking account — business accounts can trigger manual review. | EXPERT REFERENCE (Jul 2025): LightStream offers loans up to $50,000 with no documentation required. | EXPERT REFERENCE (Jul 2025): Loan funds are deposited directly into the borrower's checking account. | EXPERT REFERENCE (Jul 2025): Loans appear on credit reports as unsecured personal installment loans. | EXPERT REFERENCE (Jul 2025): Minimum FICO score requirement is 680. | EXPERT REFERENCE (Jul 2025): LightStream typically pulls credit from TransUnion, using the FICO 8 model. | EXPERT REFERENCE (Jul 2025): Occasionally, LightStream may pull from Equifax. | EXPERT REFERENCE (Mar 2025): Approved for $25,000 loan | EXPERT REFERENCE (Mar 2025): Credit score of 725 | EXPERT REFERENCE (Mar 2025): 28% credit utilization | EXPERT REFERENCE (Mar 2025): 12 years of credit age