7 Alternatives to LightStream for Online Personal Loan Applications

LightStream

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Best Egg

2

LightStream and Best Egg are both online personal loan lenders. LightStream offers unsecured personal loans for medical bills, vacations, debt consolidation, auto repairs, home improvement projects, and more. It has a maximum loan amount of $100,000 with no origination fees or prepayment penalties. Loan terms range from 24 to 84 months and interest rates start at 3.99% APR (with AutoPay). LightStream also offers a prequalification process that can be completed in minutes. Best Egg also provides unsecured personal loans for the same types of expenses as LightStream. Its maximum loan amount is $35,000 and its interest rates start at 5.99% APR (with AutoPay). With Best Egg, it's possible to get approved within minutes and receive funds as soon as the next business day. It also has no origination fees or prepayment penalties and loan terms range from 36 to 60 months.

LightStream

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LendingTree

22

LightStream and LendingTree are both online loan services that provide customers with competitive loan rates for a variety of purposes, such as debt consolidation, home improvements, and more. LightStream offers a wide range of loan products and is known for its low-interest rates, flexible repayment terms, and quick funding process. The company also has an online application system that allows borrowers to apply in minutes and track their progress through the entire process. LendingTree is a marketplace lender that offers a variety of loan options from multiple lenders. It provides customers with personalized loan rate comparisons and tools to compare different lenders' terms. Borrowers can upload relevant documents directly on the site, making the application process faster and simpler. Both companies offer ways to easily apply for loans and have tools that help customers make informed decisions about their borrowing needs.

LightStream

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OBS

54

LightStream and OBS are both streaming services that enable users to stream their content online. LightStream is a cloud-based service that provides complete control over the technical aspects of live streams, including encoding, delivery, and playback. It offers features such as low latency streaming, real-time analytics, custom branding, and support for multiple video formats. OBS is an open source software that allows users to capture audio and video from a variety of sources and stream them in real-time. It has a range of features including scene transitions, chroma keying, mixer controls and plugins. Both services offer end-to-end solutions for streaming live content with the ability to cast it to many different platforms. However, LightStream offers more user friendly features such as automated setup processes, while OBS's user experience is slightly more technical in nature.

LightStream

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SoFi

117

LightStream and SoFi are two online lenders that offer unsecured personal loans for debt consolidation, home improvement projects, major purchases, weddings, medical expenses and more. Both websites allow users to apply and get an answer within minutes. LightStream offers loan terms from 24-144 months with a minimum loan amount of $5,000. SoFi offers loan terms from 24-84 months with a minimum loan amount of $5,000. Both websites offer fixed APR's ranging from 5.99% - 20.24%. LightStream also offers money back guarantee while SoFi offers member benefits such as career coaching and unemployment protection. Both websites have flexible repayment options and no origination fees or prepayment penalties.

LightStream

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Streamlabs

8

LightStream and Streamlabs are both websites that provide streaming tools for content creators. LightStream offers a feature-rich platform that can be used to broadcast live streams, create stream graphics, and automate interactions with viewers. It also provides screen sharing capabilities and allows users to monetize their streams with virtual currency. Streamlabs is an all-in-one streaming platform that provides users with easy-to-use integration of live streaming services such as Twitch and YouTube Live. It includes a dashboard where users can customize the look of their stream, add overlays, and manage donations from viewers. Both sites offer access to a variety of streaming applications including audio and video chat tools, analytics tracking tools, and widgets for games or videos. Additionally, both sites provide support for multiple platforms such as Windows, MacOS, iOS, Android, and web browsers. However, Streamlabs has more features available than LightStream which makes it better suited for large scale operations or experienced streamers who want more advanced features.

LightStream

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Twitch

14

LightStream and Twitch are both streaming websites that allow users to broadcast their content. LightStream's main focus is video game streaming and has features such as live chat, integrated media sharing, and a library of stream highlights. Twitch also offers video game streaming with additional features such as leaderboards, viewer loyalty programs, and rewards for streamers. Both websites offer a range of customization options for viewers to customize their home page including the ability to follow channels and subscribe to receive notifications when new streams start. However, LightStream also provides custom overlays, hosted webpages, and multi-platform support while Twitch only provides support for PC streaming.

LightStream

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Upstart

77

LightStream and Upstart are both online lenders that offer personal loans for a variety of reasons. LightStream is a division of SunTrust Bank, and Upstart is an online lending platform. LightStream offers flexible loan terms and repayment options tailored to the individual needs of borrowers. They offer loans from $5,000 to $100,000 with fixed interest rates from 3.09% - 17.99% APR and loan terms ranging from 24 to 84 months. LightStream also allows borrowers to apply for a 0.50% rate discount when they sign up for automatic payments and provides loan funding as soon as the same day in many cases. Upstart offers personal loans ranging from $1,000 to $50,000 with fixed interest rates that range from 8.59% - 35.99%. Their loan terms range from 36 to 60 months and they also provide funds quickly in most cases within 1-3 business days after application approval. Upstart specializes in providing loans to individuals who have limited credit histories or lower credit scores by using other metrics such as education level, work history, area of study, etc., to assess the borrower's creditworthiness instead of just relying on traditional FICO scores alone.

LightStream

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Upgrade

60

LightStream and Upgrade are two personal loan companies offering loans for many different purposes. Both offer fixed interest rates and loan amounts, with LightStream providing loan amounts up to $100,000 and Upgrade offering up to $50,000 in loans. Upgrade allows borrowers to have their payments reported to all three major credit bureaus for a potential boost in credit score, while LightStream does not offer this feature. Both companies provide quick pre-qualification decisions but Upgrade requires a hard inquiry on the borrower's credit report while LightStream only needs a soft inquiry. Loan terms range from 24 to 84 months with both companies, however Upgrade has more options available with terms ranging from 2 years to 7 years. Lightstream offers AutoPay discounts with interest rate reductions of 0.25%. Lastly, both companies provide customer service representatives who can help answer any questions or concerns borrowers may have about their loans.