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Even Financial 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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Personal Loans

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Car Loans

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Personal Loans drop-down-btn
Good For
Solid Personal Loan Range
Good For
Division of SunTrust Bank
Min Credit Score
550
Min Credit Score
660
APR

3.84-35.99%

APR

6.94-25.29%

Loan Amount

$1K-$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
  • Credit Card Refinance
  • Debt Consolidation
  • Major Purchase
  • Medical Expenses
  • Relocation
  • Student Loan Refinance
  • Vacation
  • Wedding
Loan Purpose
  • Car
  • Debt Consolidation
  • Home Improvement
  • Major Purchase
  • Medical Expenses
  • Household Expenses
  • Relocation
  • Car Bike Loans
  • Vacation
  • Wedding
  • Other
Repayment terms
24-84 months
Repayment terms
2-7 years
Soft Credit Pull
Yes
Soft Credit Pull
No
Pros
  • Large and small personal loans for nearly any purpose
  • Flexible repayment options with terms ranging from 6 months to 12 years
  • No hard credit required for the initial pre-approval process
  • Quick application and rate comparison options
Pros
  • Get a loan for practically anything
  • Autopay discount available
  • Dedicated app to manage your loan
  • LightStream doesn’t charge any fees
Cons
  • cons Personal loans mainly come from third-party lenders, rather than banks or credit unions, so the rates may be higher on some offers
  • cons Things like rates, terms, and time to funding depend on the lender
  • cons While carefully vetted, each lender has its own privacy, customer service, and reputation
Cons
  • cons Personal loan up to $100K
  • cons Requires steady income
  • cons 1-3 Days till funding
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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