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Bankrate vs. LightStream Comparison

Compare providers side-by-side, allowing for easy comparison of features, rates, and terms. The comparison tool encourages individuals to thoroughly review all aspects of each service before making a smart financial decision.

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Personal Loans

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Mortgages

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Debt Relief

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Personal Loans

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Car Loans

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Personal Loans drop-down-btn
Good For
More than 4 Decades of Experience
Good For
Division of SunTrust Bank
Min Credit Score
300
Min Credit Score
660
APR

7.99-29.99%

APR

6.99-25.49%

Loan Amount

$600-$100K

Loan Amount

$5K-$100K

Lender Type
  • Marketplace
Lender Type
  • Direct
Loan Type
  • Secured Personal Loans
  • Unsecured Personal Loans
  • Fixed-Rate Personal Loans
  • Variable-Rate Personal Loans
  • Co-singer / Joint loans
Loan Type
  • Secured Personal Loans
  • Unsecured Personal Loans
  • Fixed-Rate Personal Loans
  • Variable-Rate Personal Loans
Loan Purpose
  • Car
  • Credit Card Refinance
  • Debt Consolidation
  • Home Improvement
  • Major Purchase
  • Medical Expenses
  • Household Expenses
  • Relocation
  • Car Bike Loans
  • Vacation
  • Wedding
  • Other
Loan Purpose
  • Car
  • Major Purchase
  • Household Expenses
  • Vacation
  • Wedding
  • Other
Repayment terms
24-60 Months
Repayment terms
2-7 years
Soft Credit Pull
Yes
Soft Credit Pull
No
Pros
  • Deals with trustworthy lenders
  • Wide range of personal loans to check out
  • Easy to use comparison tool
  • More than four decades of experience
Pros
  • Get a loan for practically anything
  • Autopay discount available
  • Dedicated app to manage your loan
  • LightStream doesn’t charge any fees
Cons
  • cons Not a direct lender
  • cons No live chat
Cons
  • cons Personal loan up to $100K
  • cons Requires steady income
  • cons 1-3 Days till funding
Mortgages drop-down-btn
Good For
A Leader in Mortgages Comparison
Min Credit Score
600
APR

3.43-7.18%

APR Variable Rate

Min 2%

Loan Type
  • Mortgage Purchase
  • Mortgage Refinance
  • Fixed
  • Adjustable
  • Home Improvement
  • Home Equity Loan
  • Home Equity Line of Credit
  • FHA
  • USDA
  • VA
  • Jumbo
Prepayment Fee
Varies by lender
Origination Fee
Varies by lender
Pros
  • Comprehensive online marketplace with many lenders to compare
  • Simple application process
  • Up-to-date information on mortgage rates and lenders available
Cons
  • cons Website can be tricky to navigate and find specific information about mortgage loans
  • cons Loan rates, terms, and eligibility vary widely across lenders – specifics aren’t always available
  • cons Doesn’t contain all home loan types – ex. Jumbo loans
Not provided

Service isn't provided

Debt Relief drop-down-btn
Good For
The Ideal Choice for Debt Under $10,000
Minimum Debt Amount

$1K

Min Credit Score
300
Free Consultation
Yes
Soft Credit Pull
Yes
Pros
  • Personalized comparison tool
  • Helpful for comparing loans from many reputable lenders
  • Prequalification provides an overview of eligible loans and their terms
  • Options available for those with limited credit history
Cons
  • cons You must create an account before you can compare your loan options
  • cons Loan terms vary depending on the lender
  • cons Specific fees depend on the lender
Not provided

Service isn't provided

Car Loans drop-down-btn
Good For
Low-Interest, Fixed-Rate Loans
APR

3.99-20.49%

Repayment terms
24-84 months
Min Credit Score
660
Loan Amount

$5K-$100K

Lender Type
  • Direct
Prepayment Fee
None
Soft Credit Pull
No
Pros
  • No mileage or vehicle type restrictions
  • Lightstream lends to people in all 50 states
  • Low rates for borrowers with great credit
Cons
  • cons Loan rates are 0.50% higher without AutoPay
  • cons Hard credit check to get approved
  • cons Minimum credit score required for approval, regardless of other qualifications
Not provided

Service isn't provided

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