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Terms & Conditions

A Legal Disclaimer

IMPORTANT NOTICE: Light Stream Finance operates as a loan connection service, NOT A LENDER. We facilitate connections between consumers and our network of licensed lending partners. The approval decision, loan terms, and rates are determined solely by the participating lenders. By using our service:

  • We cannot guarantee loan approval or specific loan amounts

  • Your information may be shared with our network of licensed lenders and financial partners

  • Submitting information does not guarantee loan approval

  • We do not charge fees for our connection service

Terms & Conditions - The Basics 

Each lender maintains independent underwriting criteria and rate structures. We strongly encourage reviewing all loan terms, fees, and repayment obligations before accepting any loan offer. You are never obligated to accept any loan offer presented through our service.

While Light Stream Finance does not conduct credit checks, our lending partners may perform credit inquiries through major credit bureaus (TransUnion, Experian, and Equifax) or alternative consumer reporting agencies. These inquiries may impact your credit score. Additionally, payment history on accepted loans may be reported to credit bureaus, affecting your credit profile.

Important: Short-term loans typically carry higher interest rates and should be used for immediate, short-term financial needs only. If experiencing ongoing financial difficulties, please consider credit counseling services.

State Regulations

Loan availability, terms, and rates vary by state. Please review our Rates & Fees page for state-specific information and regulatory details. For tribal lenders in our network, please note they operate under sovereign nation status and may have different rate structures and jurisdictional requirements.

-  Our service is FREE to consumers. While we strive to provide comprehensive lending options, we do not include all available market lenders. Lenders may require application fees or credit report charges - these will be clearly disclosed before you accept any loan offer.

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