LightStream (Co-Applicant)

LightStream, the online lending division of Truist Bank, allows joint applicants on personal loan applications. A joint applicant applies alongside the primary borrower and is equally responsible for repaying the loan. Both applicants are assessed during underwriting based on their credit profiles, income, and financial history, and the loan is reported on both credit files.

Adding a joint applicant with strong credit, stable income, and low existing debt alongside the primary applicant may strengthen the application and help secure more favorable terms. Both parties must fully understand that they share equal legal responsibility for the full loan balance, and that any missed or late payments will affect both of their credit profiles.

LightStream offers unsecured personal loans for well-qualified borrowers at competitive rates with no origination fees, no prepayment penalties, and no late fees. Loans are available for a wide range of purposes including debt consolidation, home improvement, auto purchases, and other needs. Because LightStream targets borrowers with good to excellent credit, both applicants on a joint application should have strong credit profiles for the best results.

LightStream offers pre-qualification with a soft credit check that does not affect credit scores, so you can view estimated terms before formally applying. For full details on LightStream personal loans including current rates, loan purposes, terms, and joint applicant requirements, review the main LightStream listing or visit LightStream's website directly.

Compare LightStream's offer against quotes from credit unions and other online lenders before committing to any loan. LightStream is a division of Truist Bank, which is FDIC-insured.