M&T Options & Pricing

LightStream is a division of SunTrust Bank (Truist) that offers personal loans. LightStream advertises quick access to personal loans. You can apply online, accept and sign your loan agreement, and potentially receive funds the same day you applied. Unfortunately, LightStream does not disclose the minimum credit score needed to qualify. You must also take out at least $5,000. You should know that LightStream seems to require the applicant to have a longer credit history. On the positive side, the interest rates are relatively low when compared to others, they have fast approval and funding, and LightStream does not charge an origination fee.

Upstart is an AI (artificial intelligence) lending platform. Upstart boasts an easy online application process that can begin funding as quick as the next business day after you accept your loan agreement. Upstart requires a minimum credit score of 600 and a minimum loan amount of at least $3,100 for residents of Georgia. These lower minimums make them accessible to a wide range of borrowers. Unfortunately, Upstart charges an origination fee and their maximum APR is a bit higher than most.

Upgrade was founded in 2017 to offer users more value and a better experience than they would receive at a traditional bank. You can apply online to see your rate. Once you accept your loan offer, you can receive the funds in as little as one day. There is no minimum income requirement or minimum credit score for qualification. This makes Upgrade accessible to more potential borrowers. The minimum loan amount for residents of Georgia is $3,005. Unfortunately, Upgrade charges an origination fee and they do not allow co-signers. Also, their maximum APR is a bit higher than most lenders.