LightStream: Best Debt Consolidation Company for flexible terms

If you like to shop online and want the most freedom with your debt consolidation loan alternatives, LightStream is a terrific option. All borrowers' requirements should be satisfied by inviting individuals with debts up to $100,000 and offering payment terms of up to seven years.

Because everything must be done online, it's helpful to know that the application process is swift and painless - and for people who aren't comfortable with screens, there's no phone to call. LightStream's relatively high credit score criteria may exclude certain applicants, and the lack of a soft pull credit search before applying is unusual for an online lender.

There are no fees, and there's a chance you'll get your money the same day you apply. There's also a rate guarantee, in which LightStream promises to beat a competitor's rate under the same terms by 0.1 percent. When you combine that with the most flexible loan terms available, LightStream becomes a fantastic debt consolidation solution.

Application : Online only

Minimum credit score: "Good" score

Loan amount: $5,000 - $100,000

Loan term: 24 - 84 months