Apply now for an unsecured life event loan.
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LightStream life event loan

Because big moments add up. From {{lsiAutoMinRate}}% APR

with AutoPay and excellent creditDisclosure 1, Disclosure 2

Whether you’re welcoming a new chapter or managing an unexpected one, a LightStream unsecured loan can help you pay for what matters, without putting life on hold. We have simple, flexible terms and funding as soon as today.Disclosure 3

Apply now for a LightStream life event loan. Explore rates and payments on a LightStream life event loan.
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Disclosure 1 AutoPay discount is only available prior to loan funding. Rates without AutoPay are 0.50% points higher. Excellent credit required for lowest rate. Rates range from {{lsiAutoMinRate}}% to {{lsiAutoMaxRate}}% APR with AutoPay.

Disclosure 1 AutoPay discount is only available prior to loan funding. Rates without AutoPay are 0.50% points higher. Excellent credit required for lowest rate. Rates range from {{lsiAutoMinRate}}% to {{lsiAutoMaxRate}}% APR with AutoPay.

Plan your next chapter.

Here for your milestones, moments, and everything in between.

We can help cover major life moments or unexpected expenses—like celebrations, family changes, or emergencies.

Key features
  • Low, fixed interest rate and predictable monthly payments
  • Funding as soon as todayDisclosure 3 for time-sensitive needs
  • No fees and no pre-payment penalties
Weddings

Support for every part of your day, from rings to the ceremony and honeymoon.

Anniversaries

Make it meaningful. Plan special touches including travel, events, and gifts.

Milestone birthdays

We can help finance experiences, gatherings, or special gifts for significant birthdays.

Building a family

We’re here for the journey, providing financial flexibility for adoption and the next steps ahead.

Childcare

Designed to support growing families with resources for childcare and day-to-day expenses.

Funeral expenses

Manage costs like services, arrangements, and travel during a difficult time.

Relocation and moving costs

We can help support the cost of movers, packing services, or transportation for a smooth move.

Got a life event not listed here?

We've got you covered.

From big plans to major purchases or unexpected needs, you can use your loan for a wide range of life events. Life doesn’t follow a script—and your loan doesn’t have to either.

Explore rates and payments on a LightStream life event loan.
Apply now for a LightStream life event loan.
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Choosing AutoPay can lower your rate.
In your application, you'll have the option to choose AutoPay (which includes a 0.50% points APR discount, as shown) or invoice repayment. If your loan is approved and you’ve selected AutoPay, you'll make monthly automated payments from any U.S. bank or credit union account where ACH withdrawals are allowed.
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Loan terms
  • Fixed rate, simple interest, fully amortizing loan with no fees or prepayment penalties.
  • Rates quoted with AutoPay option. Invoicing option is 0.50% points higher.
  • Loan proceeds may not be used to refinance an existing LightStream loan.
  • Florida loans subject to Documentary Stamp Tax (opens in a modal}. The tax amount is not included in the quoted APR.
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How a LightStream life event loan works

step 1
Apply online.

It takes just minutes to apply, and you'll receive a response quickly during business hours.

step 2
Review and sign your loan agreement.

Once you're approved, e-sign your agreement and schedule your funding.

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Get started!

You can have funds in your account as soon as todayDisclosure 3 with same-day funding, or schedule funding when you need it. Disclosure 5

Apply now for a LightStream life event loan.

Frequently asked questions about life event financing

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We can help finance nearly every kind of life event—adoptions, fertility treatments, travel, moving costs, and family emergencies, just to name a few.

LightStream unsecured loans require good-to-excellent credit profiles.

Here are some characteristics we find people with good-to-excellent credit share:

  • Credit history: Several years of credit history (excellent credit profiles have 5 or more years) with a variety of account types, including major credit cards, installment loans, vehicle loans, and mortgage debt, if applicable.

  • Assets: The ability to save money, shown by retirement or investment accounts, as well as liquid assets such as checking and savings accounts.
  • Income vs debt: Stable income and assets with the ability to repay current debt obligations in addition to the new LightStream unsecured loan. (Excellent credit profiles typically include little, if any, credit card debt.)

  • Payment history: A good-to-excellent payment history with few or no late payments, and no other problems repaying debt.


Everyone’s credit profile is unique, and during our approval process, we look beyond your credit score and examine your entire credit profile. Please note: A high FICO® score doesn’t guarantee approval.


Note for joint applicants: Each party on an application is reviewed equally since they share responsibility for this loan.

We offer a LightStream unsecured personal loan for practically anything. Our LightStream life event loan can help cover expenses related to weddings, travel, fertility treatments, adoption, memorials, and nearly everything in between.

You’re required to use the loan proceeds for the purpose selected in your loan application.

In addition:

  • You can’t use your loan proceeds to refinance an existing LightStream loan.
  • We can’t provide loans to fund college or post-secondary education expenses, or refinance loans used for those purposes.
  • We make loans to individuals, not businesses. Loans can’t be used for business purposes. You can find options for business loans at https://www.truist.com/small-business/loans.
  • Funding and payments must be made to and from your personal banking account.
  • We don’t provide personal loans for cash-out refinance purposes.
  • You can’t use the proceeds of a LightStream loan to buy bonds, stocks, stock options, or pay back a loan against a stock option. You also can’t use the loan proceeds to contribute to a retirement account, life insurance policy, or education savings plan. 
  • You can’t use your loan proceeds to purchase cryptocurrencies.

Related resources

How to save for a big purchase

It’s never too early to start planning for a big-ticket expense. Here’s how to save for a big purchase while staying on track with other financial goals.

Read more about how to save for big purchases.
Getting married or partnered

You and your partner are like peanut butter and jelly: good individually—but even better together. Are you pairing perfectly on your finances, too? These tips can help make your joint finances—and your relationship—even stronger.

Read more about managing finances as a couple.

You may also be interested in these options.

Home improvement loan

Unlock your home’s potential with a LightStream home improvement loan. Get funding with no loan collateral, no fees, and no home equity requirements.

Learn more about a LightStream home improvement loan.
Debt consolidation loan

Control your financial future with a LightStream unsecured debt consolidation loan. We can help you pay off debt with fewer bills and a low interest rate.

Learn more about a LightStream debt consolidation loan.
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Disclosure 1 AutoPay discount is only available prior to loan funding. Rates without AutoPay are 0.50% points higher. Excellent credit required for lowest rate. Rates vary by loan purpose. Rates range from {{lsiAutoMinRate}}% - {{lsiAutoMaxRate}}% APR with AutoPay.

Disclosure 2 Your loan terms, including APR, may differ based on loan purpose, amount, term length, and your credit profile. Lowest rates require excellent credit. At least 29.46% of approved applicants applying for the lowest rate qualified for the lowest rate available based on data from 01/01/2026 to 03/31/2026. Rate is quoted with AutoPay discount. AutoPay discount is only available prior to loan funding. Rates without AutoPay are 0.50% points higher. Subject to credit approval. Conditions and limitations apply. Advertised rates and terms are subject to change without notice.

Payment example: Monthly payments for a $10,000 loan at 8.24% APR with a term of 3 years would result in 36 monthly payments of $314.47.

Maximum APR for a LightStream loan is {{lsiMaxRate}}%. Loan terms range from 24 - 240 months depending on the loan type.

{{lsiRateOptional:Rates are accurate as of}} {{lsiRateDate}} {{lsiRateOptional:and are subject to change.}} 

Disclosure 3 You can fund your loan today by wire transfer if today is a banking business day, your application is approved, and you complete the following steps before 2:30 pm ET: (1) review and e-sign your loan agreement; (2) provide us with your funding preferences and relevant banking information; and (3) complete the final verification process.

Disclosure 4 Estimated payment is based on the lowest APR. Rate range across all LightStream loan purposes: {{lsiAutoMinRate}}% - {{lsiAutoMaxRate}}% APR with AutoPay discount. (Exact rate within the range is determined by credit profile and loan amount.) 

Disclosure 5 After you’ve been approved for a LightStream unsecured loan, funds can be deposited by wire transfer or ACH Monday through Friday, except on banking holidays.

For home improvement loans, you can schedule receipt of your funds within 90 days of approval. For all other loan purposes, you can schedule receipt of your funds to be delivered within 30 days after approval.


 

Schedule a wire transfer

If you opt for a wire transfer, be sure to contact your financial institution to clarify whether there are any special instructions or fees. You must sign in to your account and schedule funding the day prior to your desired receipt date.



Same-day wire transfer

You can fund your loan today by wire transfer if today is a banking business day, your application is approved, and you complete the following steps before 2:30 pm ET: (1) review and e-sign your loan agreement; (2) provide us with the funding preferences and relevant banking information; and (3) complete the final verification process.



Schedule a direct deposit ACH transfer

To receive funds through direct deposit ACH transfer, you must sign in to your account and schedule funding the day prior to your desired receipt date before 5:30 pm ET and schedule funding before 6 pm ET.



We can’t deposit funds into a business or third-party account. Funds must be deposited into your personal bank account.

Disclosure 1 AutoPay discount is only available prior to loan funding. Rates without AutoPay are 0.50% points higher. Excellent credit required for lowest rate. Rates vary by loan purpose. Rates range from {{lsiAutoMinRate}}% - {{lsiAutoMaxRate}}% APR with AutoPay.

Disclosure 2 Your loan terms, including APR, may differ based on loan purpose, amount, term length, and your credit profile. Lowest rates require excellent credit. At least 29.46% of approved applicants applying for the lowest rate qualified for the lowest rate available based on data from 01/01/2026 to 03/31/2026. Rate is quoted with AutoPay discount. AutoPay discount is only available prior to loan funding. Rates without AutoPay are 0.50% points higher. Subject to credit approval. Conditions and limitations apply. Advertised rates and terms are subject to change without notice.

Payment example: Monthly payments for a $10,000 loan at 8.24% APR with a term of 3 years would result in 36 monthly payments of $314.47.

Maximum APR for a LightStream loan is {{lsiMaxRate}}%. Loan terms range from 24 - 240 months depending on the loan type.

{{lsiRateOptional:Rates are accurate as of}} {{lsiRateDate}} {{lsiRateOptional:and are subject to change.}} 

Disclosure 3 You can fund your loan today by wire transfer if today is a banking business day, your application is approved, and you complete the following steps before 2:30 pm ET: (1) review and e-sign your loan agreement; (2) provide us with your funding preferences and relevant banking information; and (3) complete the final verification process.

Disclosure 4 Estimated payment is based on the lowest APR. Rate range across all LightStream loan purposes: {{lsiAutoMinRate}}% - {{lsiAutoMaxRate}}% APR with AutoPay discount. (Exact rate within the range is determined by credit profile and loan amount.) 

Disclosure 5 After you’ve been approved for a LightStream unsecured loan, funds can be deposited by wire transfer or ACH Monday through Friday, except on banking holidays.

For home improvement loans, you can schedule receipt of your funds within 90 days of approval. For all other loan purposes, you can schedule receipt of your funds to be delivered within 30 days after approval.


 

Schedule a wire transfer

If you opt for a wire transfer, be sure to contact your financial institution to clarify whether there are any special instructions or fees. You must sign in to your account and schedule funding the day prior to your desired receipt date.



Same-day wire transfer

You can fund your loan today by wire transfer if today is a banking business day, your application is approved, and you complete the following steps before 2:30 pm ET: (1) review and e-sign your loan agreement; (2) provide us with the funding preferences and relevant banking information; and (3) complete the final verification process.



Schedule a direct deposit ACH transfer

To receive funds through direct deposit ACH transfer, you must sign in to your account and schedule funding the day prior to your desired receipt date before 5:30 pm ET and schedule funding before 6 pm ET.



We can’t deposit funds into a business or third-party account. Funds must be deposited into your personal bank account.

Disclosures

Truist Bank, Member FDIC. © 2026 Truist Financial Corporation. Truist, the Truist logo, Truist Purple, Truist One, Truist Marquee, LightStream, and the LightStream logo are service marks of Truist Financial Corporation.

Equal Housing Lender

Investment and Insurance Products:

  • Are Not FDIC or any other Government Agency Insured
  • Are Not Bank Guaranteed
  • May Lose Value

TRUIST is a service mark of Truist Financial Corporation (Truist) and its affiliates.

Services provided by Truist Financial Corporation (Truist) affiliates: Banking products and services, including loans and deposit accounts, provided by Truist Bank, Member FDIC. Trust and investment management services provided by Truist Bank. Securities, brokerage accounts and/or annuities offered by Truist Investment Services, Inc., an SEC registered broker-dealer, and member FINRA and SIPC, and a licensed insurance agency. Investment advisory services offered by Truist Advisory Services, Inc. and GFO Advisory Services, LLC, SEC registered investment advisers. Some insurance products offered by Truist Investment Services, Inc. Other insurance products offered by Marsh & McLennan Agency, LLC (as successor in interest to McGriff Insurance Services, LLC) CA License #0H18131, Kensington Vanguard National Land Services, and Crump Life Insurance Services. Truist Life Insurance Services (TLIS) is a division of Crump, Arkansas License #100103477. Variable insurance material is for broker-dealer or registered representative use only. Variable products distributed by P.J. Robb Variable, LLC, Arkansas License #100110185. Member FINRA.

Marsh & McLennan Agency LLC, Kensington Vanguard National Land Services, Crump Life Insurance Services, Truist Life Insurance Services, and P.J. Robb Variable, LLC are not affiliated with Truist Financial Corporation or any of its subsidiaries.

Truist Securities is a trademark of Truist Financial Corporation. Truist Securities is a trade name for the corporate and investment banking services of Truist and its subsidiaries. All rights reserved. Securities and strategic advisory services are provided by Truist Securities, Inc., member FINRA and SIPC. Lending, financial risk management, and treasury management and payment services are offered by Truist Bank.

Mortgage products and services are offered through Truist Bank. All Truist mortgage professionals are registered on the Nationwide Mortgage Licensing System & Registry (NMLS), which promotes uniformity and transparency throughout the residential real estate industry. Search the NMLS Registry.

Comments regarding tax implications are informational only. Truist and its representatives do not provide tax or legal advice. You should consult your individual tax or legal professional before taking any action that may have tax or legal consequences.

"Truist Advisors" may be officers and/or associated persons of the following affiliates of Truist, Truist Investment Services, Inc., and/or Truist Advisory Services, Inc. Truist Wealth, International Wealth, Center for Family Legacy, Business Owner Specialty Group, Sports and Entertainment Group, and Legal and Medical Specialty Groups are trade names used by Truist Bank, Truist Investment Services, Inc., and Truist Advisory Services, Inc.

Applications, agreements, disclosures, and other servicing communications provided by Truist Bank and its subsidiary businesses will be provided in English. As a result, it will be necessary for customers to speak, read and understand English or to have an appropriate translator assisting them. Please note that Truist provides translations of webpages, documents and disclosures as a courtesy and in the event of any inconsistencies or discrepancies between the English content and the translated content, the English content supersedes the translation. Truist offers phone support in Spanish at 844-4TRUIST (844-487-8478), option 9. For assistance in other languages, please speak to a representative directly.

New York City residents:

Translation or other language access services may be available. When calling our office regarding collection activity, if you speak a language other than English and need verbal translation services, be sure to inform the representative. A description and translation of commonly-used debt collection terms is available in multiple languages at http://www.nyc.gov/dca.

Borrowers with Limited English Proficiency (LEP) needing information can use the following resources:

The Consumer Finance Protection Bureau (CFPB) also provides additional resources for homeowners seeking payment assistance in select languages at: https://www.consumerfinance.gov/housing/housing-insecurity/help-for-homeowners/

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