While LightStream does have specific eligibility requirements, it’s not exactly impossible to get approved. You must have good to excellent credit and a relatively long credit history. Some basic requirements include being a U.S. citizen or resident and having a steady source of income.
The application process is quite simple and can be completed entirely online. You just need to fill in a form providing your personal and financial information. Once LightStream reviews and approves your application, you can receive the funds in your account.