LightStream
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LightStream, a division of Truist Bank, offers debt consolidation loans ranging from $5,000 to $100,000 with no origination, prepayment, or application fees. The catch is a high credit-score requirement, typically 680 or higher, and a short approval window. If you qualify, you can get funded as soon as the next business day. The platform emphasizes speed and simplicity, with an online-only application process.
This is the right fit if you have strong credit and want to consolidate a substantial amount without fees. The high borrowing ceiling makes it workable for people consolidating multiple credit cards or larger personal debts. The strict credit bar means it's less accessible than options serving wider audiences, but those who meet it get genuinely favorable terms.