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LightStream vs. Fiona 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.

Overview drop-down-btn

Personal Loans

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Car Loans

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Personal Loans

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Student Loans

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Debt Relief

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Personal Loans drop-down-btn
Good For
Division of SunTrust Bank
Good For
Expansive Marketplace
Min Credit Score
660
Min Credit Score
550
APR

6.94-25.29%

APR

5.99-35.99%

Loan Amount

$5K-$100K

Loan Amount

$10K-$250K

Lender Type
  • Direct
Lender Type
  • Marketplace
Loan Type
  • Secured Personal Loans
  • Unsecured Personal Loans
  • Fixed-Rate Personal Loans
  • Variable-Rate Personal Loans
Loan Type
  • Secured Personal Loans
  • Unsecured Personal Loans
  • Fixed-Rate Personal Loans
  • Co-singer / Joint loans
Loan Purpose
  • Car
  • Debt Consolidation
  • Home Improvement
  • Major Purchase
  • Medical Expenses
  • Household Expenses
  • Relocation
  • Car Bike Loans
  • Vacation
  • Wedding
  • Other
Loan Purpose
  • Credit Card Refinance
  • Debt Consolidation
  • Home Improvement
  • Major Purchase
  • Medical Expenses
  • Household Expenses
  • Relocation
  • Vacation
  • Wedding
  • Other
Repayment terms
2-7 years
Repayment terms
2-7 years
Soft Credit Pull
No
Soft Credit Pull
Yes
Pros
  • Get a loan for practically anything
  • Autopay discount available
  • Dedicated app to manage your loan
  • LightStream doesn’t charge any fees
Pros
  • Quick and easy process to see if you are prequalified
  • Free and secure matching service
  • Great for comparing loans
Cons
  • cons Personal loan up to $100K
  • cons Requires steady income
  • cons 1-3 Days till funding
Cons
  • cons APRs can vary
  • cons 7-year max repayment terms
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

Student Loans drop-down-btn
Good For
Student Loans from Major Service Providers
Min Credit Score
620
Loan Amount

$1K-$500K

Fixed Rate
1.97-8.94%
Loan Type
  • Private student loans
  • Student loan refinance
Soft Credit Pull
Yes
Pros
  • Conveniently compare different refiance offers from several lenders in one place
  • Initial application doesn’t hurt your credit score
  • Easy to navigate website and fast application process
  • Completely free service with no obligation to choose a loan
Cons
  • cons Not a direct lender, so terms and rates may vary
  • cons Fiona may share personal data with its partners or affiliates
  • cons Hard credit check may be required when applying through a direct lender
Not provided

Service isn't provided

Debt Relief drop-down-btn
Good For
Minimum debt: $1,000
Minimum Debt Amount

$1K

Min Credit Score
600
Free Consultation
No
Soft Credit Pull
Yes
Pros
  • Comparing loan offers
  • Quick and easy application
  • Free and secure
Cons
  • cons APRs can vary from lender to lender
  • cons 7-year repayment terms
Not provided

Service isn't provided

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