LightStream is included in our picks for the best personal loans of 2023. What makes this lender a good place to get a loan is the low rates for prime borrowers. If you have excellent credit and sign up for autopay, you can expect to pay around one of the lowest rates available. You can also choose when to receive your funds, from the same day up to 30 days after approval. However, LightStream requires good or excellent credit. You also need to have several years of credit history to qualify.