Tom Sumrak

Senior Manager

Tom Sumrak has worked as a marketer, editor, and writer over the course of multiple years working at LendingTree. He has covered a variety of different financial topics and products over the year and is immersed in the financial industry on the daily. Aside from his work in the financial industry, Tom enjoys home renovation projects and is an avid DIYer. He also has worked as a calligrapher for several years and enjoys practicing his writing whenever he gets the opportunity.

Articles by Tom Sumrak

Tester

5
LendingTree Rating
Accessibility
Rates & terms
Repayment experience
Jump to: Our Methodology

Our Methodology

To come up with our star rating for personal loan companies, LendingTree considered 22 data points across three categories: accessibility, rates & terms and repayment experience. The data points reflect every step of the process to shop and apply for, borrow and repay personal loans. A five-star lender, for instance, has flexible eligibility requirements, offers you the chance to prequalify without commitment and supports you in zeroing your balance.

The 22 data points, culled from the lenders themselves, determine the overall rating. We score lenders consistently, sometimes awarding partial points, so that you can make apples-to-apples comparisons when shopping around.

LendingTree isn’t paid for conducting these reviews, and lenders don’t have control over their content. With our reviews and ratings, we aim to give our users the objective and exhaustive information they need to make the best possible decisions.

LightStream
6.99%-22.49%
24 to 144 months
$5K-$100K
Our Verdict
LightStream offers personal loans with low rates and no fees for borrowers with good to excellent credit. Among its many consumer-friendly features, LightStream allows borrowers to choose when they receive their money.
Get Your Rate
Terms & Conditions apply
NMLS#1136
(4.5)
APR
6.99%-22.49%
Loan Term
24 to 144 months
Loan Amount
$5K-$100K
Min. Credit Score
0
(4.5)
APR
6.99%-22.49%
Loan Term
24 to 144 months
Loan Amount
$5K-$100K
Min. Credit Score
0
(4.5)
APR
6.99%-22.49%
Loan Term
24 to 144 months
Loan Amount
$5K-$100K
Min. Credit Score
0
Compare Rates
Terms & Conditions apply
NMLS#1136
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