2. LightStream: Best for Borrowers with Excellent Credit
If you have spent years building a stellar credit profile, LightStream is designed specifically to reward you with some of the most competitive interest rates in the industry.
- Origination Fees: $0.
- Funding Speed: Often available as soon as the same day.
- Rate Discount: Additional rate reduction when you set up AutoPay.
Why We Recommend It
LightStream operates with a “Rate Beat Program,” making them a top contender if you are rate-shopping. They also offer a seamless application process and extremely fast funding, allowing you to wipe out your credit card balances almost immediately.
Click “Next” to check out our third choice, which allows you to pay your creditors directly!