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SuperMoney 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.

Overview drop-down-btn

Personal Loans

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Car Loans

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Debt Relief

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Tax Relief

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Personal Loans

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Car Loans

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Personal Loans drop-down-btn
Good For
Fast Comparison of Dozens of Lenders
Good For
Division of SunTrust Bank
Min Credit Score
400
Min Credit Score
660
APR

5.99-36%

APR

6.94-25.29%

Loan Amount

$500-$100K

Loan Amount

$5K-$100K

Lender Type
  • Marketplace
Lender Type
  • Direct
Loan Type
  • Unsecured Personal Loans
Loan Type
  • Secured Personal Loans
  • Unsecured Personal Loans
  • Fixed-Rate Personal Loans
  • Variable-Rate Personal Loans
Loan Purpose
  • Credit Card Refinance
  • Debt Consolidation
  • Home Improvement
  • Medical Expenses
Loan Purpose
  • Car
  • Debt Consolidation
  • Home Improvement
  • Major Purchase
  • Medical Expenses
  • Household Expenses
  • Relocation
  • Car Bike Loans
  • Vacation
  • Wedding
  • Other
Repayment terms
3 months to 84 months
Repayment terms
2-7 years
Soft Credit Pull
N/A
Soft Credit Pull
No
Pros
  • Large network of lenders
  • Low credit scores can be approved
  • Personal loans available in all 50 states
Pros
  • Get a loan for practically anything
  • Autopay discount available
  • Dedicated app to manage your loan
  • LightStream doesn’t charge any fees
Cons
  • cons No phone support from SuperMoney
  • cons Not a direct 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
Get Personalized Loan Rates
Good For
Low-Interest, Fixed-Rate Loans
APR

2.99-20.99%

APR

3.99-20.49%

Repayment terms
12 to 84 Months
Repayment terms
24-84 months
Min Credit Score
570
Min Credit Score
660
Loan Amount

Max $100K

Loan Amount

$5K-$100K

Lender Type
  • Marketplace
Lender Type
  • Direct
Prepayment Fee
None
Prepayment Fee
None
Refinance APR

Min 2.9%

Refinance APR

Soft Credit Pull
Yes
Soft Credit Pull
No
Pros
  • One application allows borrowers to compare multiple lenders
  • Some lender partners work with poor credit
  • Leasing and refinancing loans available
Pros
  • No mileage or vehicle type restrictions
  • Lightstream lends to people in all 50 states
  • Low rates for borrowers with great credit
Cons
  • cons Weak customer service – must submit request for help through SuperMoney site
  • cons Borrowers who have less than great credit could pay high interest rates
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
Debt Relief drop-down-btn
Good For
Minimum debt: $10,000
Minimum Debt Amount

$10K

Min Credit Score
Varies by lender
Free Consultation
Yes
Soft Credit Pull
Yes
Pros
  • Lots of info on lenders
  • Easy-to-use lender comparison tools
  • Great customer service
  • Offers personalized rates
  • Personal loans available in all 50 states
Cons
  • cons SuperMoney does not issue loans themselves
  • cons Currently no phone support
Not provided

Service isn't provided

Tax Relief drop-down-btn
Good For
Minimum Tax Amount: $10,000
Types of Tax Relief
  • Currently Not Collectible Cases
  • Installment Plans
  • Dealing with the IRS
  • Innocent Spouse Relief
  • IRS Tax Discharge
  • IRS Tax Expiration
  • Levy Release
  • Offer in Compromise
  • Payroll Tax Debt Relief
  • Penalty Abatement
  • Stop Wage Garnishment
  • Tax Lien Removal
  • Tax Preparation and Planning
  • Unfiled Tax Returns
  • Audit Representation
  • Criminal Tax Defense
  • Fresh start IRS program
  • Federal tax
  • State tax
  • PPIA
  • OOIC
Range of Fees *
  • Flat rate
  • service based
Pros
  • Transparency
  • Great customer service
  • Tax relief services in all 50 states
  • Free consultation
Cons
  • cons No phone customer support
Not provided

Service isn't provided

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