BEST LOANS FOR GENEROUS REPAYMENT TERMS
Bankrate Rating = 4.6/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
The annual percentage (APR) includes your interest rate, plus any loan fees. It reflects the total cost of borrowing.
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*Your loan terms, including APR, may differ based on loan purpose, amount, term length, and your credit profile. Excellent credit is required to qualify for lowest rates. Rate is quoted with AutoPay discount. AutoPay discount is only available prior to loan funding. Rates without AutoPay are .50% points higher. Subject to credit approval. Conditions and limitations apply. Advertised rates and terms are subject to change without notice. Payment example: Monthly payments for a $10,000 loan at 9.99% APR with a term of 3 years would result in 36 monthly payments of $322.62. © 2023 Truist Financial Corporation. Truist, LightStream, and the LightStream logo are service marks of Truist Financial Corporation. All other trademarks are the property of their respective owners. Lending services provided by Truist Bank.
- Long loan terms
- High maximum loan amount
- Borrowers choose when to receive the money
- Requires established credit
- High minimum loan amount
- No due date flexibility
WHO IT'S FOR
Those with a strong financial history who want a longer repayment term.
WHY WE LIKE IT
Its loan terms can reach up to seven years, which means you can take longer to pay off your loan and benefit from lower monthly payments.Lender perks:
- Longer repayment terms
- Autopay discounts
- Fast approval
Time to receive funds:
As soon as same dayRequirements:
- Good-to-excellent credit profile
- Several years of mixed credit
- Assets or savings
- Stable, sufficient income
- Few reported delinquencies