Also known as: 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.
Quick info
Personal Loans
LightStream Co-Applicant
Truist Financial Corporation
FDIC-insured. Division of Truist Bank.
2026-06-06
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Personal loans with joint applicant option
Additional notes
Both applicants are equally responsible for repayment.Review scores are third-party public indicators only. They are not a recommendation or endorsement by Ask Fin and are not a measure of product suitability for your circumstances.
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Source URLs
Date checked
2026-06-06
How do I make a complaint about LightStream (Co-Applicant)?
Start with LightStream (Co-Applicant)'s internal complaints process. If unresolved, you can submit a complaint to the CFPB at consumerfinance.gov/complaint. Depending on the type of company, your state attorney general or banking regulator may also be relevant.
Is LightStream (Co-Applicant) regulated in the US?
Use the NMLS Consumer Access tool at nmlsconsumeraccess.org to check licensing. For banks, check the FDIC BankFind Suite. For credit unions, check the NCUA Credit Union Locator. Ask Fin includes regulatory reference numbers where publicly available.
How do I find LightStream (Co-Applicant)'s official contact details?
Always use the contact details on the company's official website. Do not use numbers or emails received in unsolicited calls or messages. Verify the website by checking the NMLS or FDIC/NCUA databases if in doubt.
What should I do if I think LightStream (Co-Applicant) has treated me unfairly?
Document everything in writing. Contact the company's complaints team first. If not resolved, submit a complaint to the CFPB or your state attorney general. The NFCC (1-800-388-2227) can provide free guidance for debt-related issues.
Where can I get free help with a LightStream (Co-Applicant) issue?
Contact the CFPB (consumerfinance.gov), call 211 for local resources, or contact the NFCC (nfcc.org or 1-800-388-2227) for debt and budget help. For legal issues, Legal Services Corporation (lsc.gov) provides free legal aid.
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