LightStream is best for good-to-excellent credit borrowers looking to take out a large loan, prefer a longer loan term or need funds fast — like today. It offers personal loans up to $100,000 at competitive rates with autopay discounts and loan terms for as long as 20 years, depending on the loan type. You also might get your funds the same day you apply. But you need good-to-excellent credit to qualify. And if you want to borrow less than $5,000, you'll have to look elsewhere. Unlike other lenders, LightStream doesn't have a customer service phone number listed on its website, which means you'll have to reach out via email with any questions. Best for: Borrowers with a solid credit history who want to borrow large amounts.