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Consolidate your debt at a lower interest rate and build financial confidence.

Take advantage of a lower interest rate with our no-fee unsecured debt consolidation loan from LightStream, our national online lending division. With a range of affordable fixed rates, you're likely to save on interest each month when you consolidate multiple payments into one. And since this loan is processed by LightStream, application is easy and it won't take long to find out if you've been approved. In many cases, you'll even have access to the funds that same day2.

  • We will beat any qualifying rate from another lender3
  • We guarantee that your LightStream loan experience with us will be your best ever, or $100 is yours4
  • Same-day funding available2
  • No fees

"You guys have a fantastic product. Thank you for the ease of doing business with you and the very reasonable rates and zero fees. You are a pleasure to work with."

— A.B. from Orlando, FL

  • What can you use this loan for?
  • Loan Amount
  • Interest Rate
  • Loan Term (months)
  • How to Apply
  • Access to Funds
  • Fees
  • Unsecured vs. Secured
  • This loan can be used to combine multiple credit card and/or other high-interest payments into one easy payment.
  • $5,000 to $100,000
  • As low as 1 APR with AutoPay
  • 24 to 84 months*
  • Complete online process: application to funding
  • Same day funding available2
  • No fees
  • Unsecured. No assets used as collateral.

Apply in 3 easy steps

  • Step 1

    Apply Online

    You will receive a response shortly (during business hours).

  • Step 2

    Accept Loan Agreement

    Once approved, e-sign your loan agreement and set up your loan for funding.

  • Step 3

    That's it!

    Receive your funds as early as today2.

DISCLAIMERS

1 The APR listed is for an unsecured credit card/debt consolidation loan between $10,000 and $24,999 with a term between 24 and 36 months, for applicants with excellent credit. Your APR may differ based on loan purpose, amount, term, and your credit profile. Rate is quoted with AutoPay discount, which is only available when you select AutoPay prior to loan funding. Rates under the invoicing option are 0.50% higher. Subject to credit approval. Conditions and limitations apply. Advertised rates and terms are subject to change without notice.

* Payment example: Monthly payments for a $10,000 loan at 5.49% APR with a term of 3 years would result in 36 monthly payments of $301.91.

2 You can fund your loan today if today is a banking business day, your application is approved, and you complete the following steps by 2:30 p.m. Eastern time: (1) review and electronically sign your loan agreement; (2) provide us with your funding preferences and relevant banking information; and (3) complete the final verification process.

3 We are so confident in the competitiveness of our interest rates that we will beat an interest rate (APR) presented by any other lender by .10 percentage points, if the other lender's rate meets the terms and conditions described below:

Terms:

  • The lender's interest rate (APR) must not be supported by any third-party arrangements such as vehicle manufacturer subvention payments (with rates as low as 0.0% APR), other manufacturer discounts, rate buy-downs by car-buying services, or any other similar third-party subsidized rate offerings.
  • The lender's interest rate offer must be generally available to all of its customers that share a similar credit risk profile (so that employee discount programs or other special, limited lending programs would not qualify)
  • LightStream will offer a rate that is .10 percentage points below the specific rate offered by a competing lender.

Conditions:

  • The interest rate (APR) must be for the same loan amount, loan term, loan purpose and payment method (auto debit or invoice) that are being offered by LightStream. The offer applies to fixed-rate loans only. Variable-rate loans do not qualify.
  • You need to be approved for the other lender's interest rate (APR)
  • If requested by us, you will need to supply LightStream with evidence, to its satisfaction, that the other lender’s interest rate (APR) meets the Rate Beat program terms and conditions described here. This could include an approval letter, loan document containing the APR, or other documentation that LightStream finds sufficient.
  • This offer expires if the terms and conditions are not satisfied prior to 2 p.m. Eastern time on the business day prior to loan funding.

These terms and conditions are subject to change at any time.

4 After receiving your loan from us, if you are not completely satisfied with your experience, please contact us. We will email you a questionnaire so we can improve our services. When we receive your completed questionnaire, we will send you $100. Our guarantee expires 30 days after you receive your loan. We reserve the right to change or discontinue our guarantee at any time. Limited to one $100 payment per funded loan. LightStream and SunTrust teammates do not qualify for the Loan Experience Guarantee.

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