LightStream offers personal loans for different purposes, including debt consolidation, home improvement and auto financing. This lender also has a fast turnaround time with funds available the same day if approved before 2:30 p.m. EST. LightStream also doesn't charge any prepayment or origination fees. Prepayment fees are charged if you pay off your loan early, while origination fees refer to money deducted from the amount you receive on the loan.