Online lender · United States
LightStream personal loan: what you repay on $10,000
At its lowest published APR of 7.24%, LightStream costs $309.87 a month on $10,000 over 36 months, or $11,155 in total — $1,155 of interest.
At the top of its published range, 24.89% APR, the same loan is $397.02 a month and $14,293 in total. The published range is worth $3,137 on this loan.
What does the lender publish?
LightStream publishes the terms below on its own site; the wording of its rate disclosure is quoted further down.
| Term | As published |
|---|---|
| Lowest published APR | 7.24% with autopay; +0.50 without |
| Highest published APR | 24.89% |
| Origination or arrangement fee | none, as published |
| Loan amounts | not stated |
| Terms | 24 to 240 months |
| Early-repayment charge | none, as published |
| Late fee | not stated |
| Rate check without a hard credit search | not stated |
Minimum loan: not stated in the provider's published documentation (checked 2026-08-25).
Maximum loan: not stated in the provider's published documentation (checked 2026-08-25).
Whether the fee is deducted from the proceeds: not stated in the provider's published documentation (checked 2026-08-25).
Minimum credit score: not stated in the provider's published documentation (checked 2026-08-25).
Whether the rate check is a soft search: not stated in the provider's published documentation (checked 2026-08-25).
States not served: not stated in the provider's published documentation (checked 2026-08-25).
Ownership: not stated in the provider's published documentation (checked 2026-08-25).
What does it come to at other amounts and terms?
Each row re-computes the loan at the lowest and highest published APR, with the lowest and highest published fee.
| Borrow | Over | You sign for (worst fee) | Monthly, best case | Total repayable, best case | Monthly, worst case | Total repayable, worst case |
|---|---|---|---|---|---|---|
| $5,000 | 36 months | $5,000 | $154.93 | $5,578 | $198.51 | $7,146 |
| $5,000 | 60 months | $5,000 | $99.57 | $5,974 | $146.43 | $8,786 |
| $10,000 | 36 months | $10,000 | $309.87 | $11,155 | $397.02 | $14,293 |
| $10,000 | 60 months | $10,000 | $199.15 | $11,949 | $292.87 | $17,572 |
| $20,000 | 36 months | $20,000 | $619.74 | $22,311 | $794.03 | $28,585 |
| $20,000 | 60 months | $20,000 | $398.29 | $23,898 | $585.74 | $35,144 |
| $35,000 | 36 months | $35,000 | $1,084.54 | $39,044 | $1,389.56 | $50,024 |
| $35,000 | 60 months | $35,000 | $697.01 | $41,821 | $1,025.04 | $61,502 |
Scroll sideways on a phone.
How that is worked out
Nothing else is added. The APR already includes the origination fee by law in both markets, so the payment is worked out on the amount you actually receive, at the APR, over the term — which is exactly how the lender's own representative example is built. The fee shows up as the larger amount you sign for, and the interest on it is inside the APR. Late fees, optional insurance and early-settlement charges are not in any figure on this site, because they depend on what happens after you sign. Best case uses the lowest published APR and the lowest published fee; worst case the highest of each. The full method is at Method.
Is there an origination fee?
LightStream states that it charges no origination or arrangement fee, so the amount you borrow is the amount that reaches you. checked 2026-08-25
The APR published by the lender already includes the origination fee, which is why the payment here is worked out on the amount you receive at the published APR, not on the larger amount you sign for at a lower interest rate. Both routes give the same payment; the lender's own example, where it publishes one, is the check.
What does the rate disclosure say?
Low fixed rates from 7.24%-24.89% APR with AutoPay. Rates without AutoPay are 0.50% points higher. Maximum APR for a LightStream loan is 25.39%. Loan terms range from 24 - 240 months depending on the loan type.
Quoted from the lender's page. checked 2026-08-25
What we recorded when we read the page
The checker's notes for this row, kept as written so that you can see what was read, what was quoted and what could not be read. Wording in quotation marks is the lender's.
Rates vary by loan purpose (auto, home improvement, debt consolidation, etc.) and specific numeric APR min/max figures could not be extracted from https://www.lightstream.com/personal-loans or the LightStream homepage on 2026-08-25 (loan-purpose rate tables appear to require interactive selection); treated as not_readable for APR. LightStream states it "only approves good-to-excellent credit profiles." Florida residents subject to a documentary stamp tax of "slightly more than .0035 times your loan amount (or just over $35 for a $10,000 loan)." Rate shown is for the default purpose on lightstream.com (rates vary by loan purpose). 'Payment example: Monthly payments for a $10,000 loan at 7.24% APR with a term of 3 years would result in 36 monthly payments of $309.87.' Loan amounts not stated on the page read. Read in the requester's Chrome (Claude in Chrome) on 2026-08-25.
Who owns it?
Who owns this lender is not stated on its own site, and we could not confirm it from a primary source. We have left it blank rather than repeat what other sites say.
Where this leaves you
- If your credit is not at the top, the number to budget is $397.02 a month, not $309.87. The advertised figure is the floor of a range $3,137 wide on this loan.
- If you will not set up autopay, the published rate does not apply: it is 0.50 percentage points higher.
- If the best-case total is what matters, Achieve works out at $10,993 on the same basis — compare the two.
- Do not decide yet if you are choosing the term to get the payment down: the same $10,000 over 60 months is $199.15 a month instead of $309.87, but $11,949 in total instead of $11,155 — the term is the number you control.
Who this page is not for
This is not a review and it is not an offer. We have not borrowed from LightStream, we hold no opinion on its service, and nothing here is a recommendation or advice. It answers one question: what the published range turns into as a monthly payment and a total, before you apply.
Sources
- LightStream rates page — every figure on this page. checked 2026-08-25
- data.json — the row behind this page, with the source URL and check date on every figure.
Related
- LightStream alternatives, by total repayable
- Every lender we hold, and which publish a range
- Work out your own repayment
- APR, fee and term: the three numbers behind the payment
- How these figures are produced
- LightStream vs Achieve
- LightStream vs SoFi
- LightStream vs Best Egg
Written by Kaz (pen name). Figures are copied from providers' published pricing pages on the dates shown. We have not used these products. Corrections: contact form.