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LendingTree 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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Car Loans

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Business 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
Quick & Easy Online Process
Good For
Division of SunTrust Bank
Min Credit Score
550
Min Credit Score
660
APR

6.99-35.99%

APR

7.99-25.49%

Loan Amount

$1K-$50K

Loan Amount

$5K-$100K

Lender Type
  • Marketplace
Lender Type
  • Direct
Loan Type
  • Unsecured Personal Loans
  • Fixed-Rate Personal Loans
  • Variable-Rate Personal Loans
Loan Type
  • Secured Personal Loans
  • Unsecured Personal Loans
  • Fixed-Rate Personal Loans
  • Variable-Rate Personal Loans
Loan Purpose
  • Credit Card Refinance
  • Major Purchase
  • Household Expenses
  • Vacation
  • Wedding
  • Other
Loan Purpose
  • Car
  • Major Purchase
  • Household Expenses
  • Vacation
  • Wedding
  • Other
Repayment terms
3-12 years
Repayment terms
2-7 years
Soft Credit Pull
Yes
Soft Credit Pull
No
Pros
  • Pre-qualification won't harm your credit score
  • Great customer service
  • Competitive APR rates from many lenders
Pros
  • Get a loan for practically anything
  • Autopay discount available
  • Dedicated app to manage your loan
  • LightStream doesn’t charge any fees
Cons
  • cons Some loans may have origination fees
  • cons Terms depend on income and job status
  • cons Marketplace and not an actual lender
Cons
  • cons Personal loan up to $100K
  • cons Requires steady income
  • cons 1-3 Days till funding
Car Loans drop-down-btn
Good For
Quick & Easy Online Process
Good For
Low-Interest, Fixed-Rate Loans
APR

4-8.9%

APR

3.99-20.49%

Repayment terms
1-7 years
Repayment terms
24-84 months
Min Credit Score
550
Min Credit Score
660
Loan Amount

$500-$300K

Loan Amount

$5K-$100K

Lender Type
  • Marketplace
Lender Type
  • Direct
Prepayment Fee
None
Prepayment Fee
None
Soft Credit Pull
Yes
Soft Credit Pull
No
Pros
  • Fast funding for auto loans and auto refinance
  • Easy to use platform makes application process simple
  • Competitive interest rates among variety of reputable lenders
Pros
  • No mileage or vehicle type restrictions
  • Lightstream lends to people in all 50 states
  • Low rates for borrowers with great credit
Cons
  • cons Car must be newer than 10 model years old and have mileage below 120,000 miles to be eligible for refinancing
  • cons Current auto loans must have a minimum of 24 years left on the term and a balance of $5,000 to $55,000
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
Business Loans drop-down-btn
Good For
A Leading Financial Marketplace
Age of Business

12+ Months

Min Credit Score
500
Loan Amount

$3K-$10M

APR

Min 3.49%

Monthly Revenue
$8K
Repayment terms
Varies
Soft Credit Pull
Yes
Pros
  • Eligibility requirements may be lower, depending on the lender
  • Various types of business loans, including some for startups
  • Prequalification available
  • Secure online application process
Cons
  • cons Not very transparent with loan terms and rates until after applying
  • cons Some lenders charge additional fees (ex. origination fees)
  • cons Applicants may receive unsolicited offers
Loan Type
  • SBA Loans
  • Business Line of Credit
  • Business Term Loan
  • Working Capital Loans
  • Invoice Financing
  • Invoice Factoring
  • Equipment Financing
  • Term loans
  • Short-Term Business Loan
  • Merchant Cash Advances
  • Startup Loans
Not provided

Service isn't provided

Mortgages drop-down-btn
Good For
Pre-Qualify in 3 Minutes
Min Credit Score
580
APR

6.15-8.34%

Loan Type
  • Mortgage Purchase
  • Mortgage Refinance
  • Home Equity Loan
  • Home Equity Line of Credit
  • FHA
  • VA
Prepayment Fee
Depends on lender
Origination Fee
Depends on lender
Pros
  • Lenders in the LendingTree network uniquely offer manufactured or mobile home loans and multi-family home loans
  • You can apply for a mortgage through LendingTree as a primary home, secondary home, or rental property
  • Getting several offers with a single application makes it easier to negotiate for the best possible rates
Cons
  • cons Customers receive many emails and phone calls from various companies
  • cons Each lender runs a hard credit check, which could reduce credit scores by a few points
Not provided

Service isn't provided

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

$1K

Min Credit Score
Depends on lender
Free Consultation
Yes
Soft Credit Pull
Yes
Pros
  • Largest network of lenders in the US
  • Financial wellness services
  • Connect w/ lenders after soft credit pull
Cons
  • cons Final decision only after hard pull
  • cons Lenders may charge origination fees
  • cons APRs start at 10.49%
Not provided

Service isn't provided

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