Jake Tech Lab

SoFi vs LightStream

SoFi comes out ahead of LightStream on 2 of the 6 things that decide this, going by what each company publishes and what independent review sites report. The one that matters for you may be one the leader loses.

SoFiWinner
SoFi
6.9
Fair
2 of 6 rounds
vs
LightStream
LightStream
6.2
Fair
0 of 6 rounds

The verdict

SoFi takes it, 2–0 on rounds.

On the published figures and the independent review sites, SoFi takes 2 of 6 rounds. Treat that as a starting point and check the current figures on both pages, because prices and plans move.

Choose SoFi if…

  • • You want SoFi's edge on what customers say on trustpilot and how many trustpilot reviews

Choose LightStream if…

  • • You have a reason to pick LightStream that is not on this list

Round by round

  1. Round 1What customers say on TrustpilotSoFi wins
    SoFi8/10

    4.3 out of 5

    TrustScore from 13,970 reviews on Trustpilot

    Source: trustpilot.com ↗

    LightStream5/10

    1.5 out of 5

    TrustScore from 119 reviews on Trustpilot

    • 1.5 out of 5, against 4.3 out of 5

    Source: trustpilot.com ↗

    SoFi wins this round on independent review-site data, not on its own claims.

  2. Round 2How much you can borrowTie
    SoFi7/10

    $100,000

    the largest loan

    Source: cnbc.com ↗

    LightStream7/10

    $100,000

    the largest loan

    Source: globalloanadvisor.com ↗

    Nothing to separate them here.

  3. Round 3The smallest loanTie
    SoFi7/10

    $5,000

    the smallest loan

    Source: lendingtree.com ↗

    LightStream7/10

    $5,000

    the smallest loan

    Source: globalloanadvisor.com ↗

    Nothing to separate them here.

  4. Round 4The highest origination feeTie
    SoFi7/10

    0%-7%

    Origination fee

    • no origination fee

    Source: cnbc.com ↗

    LightStream7/10

    No origination fee

    no origination fee

    Source: cnbc.com ↗

    Nothing to separate them here.

  5. Round 5How fast the money arrivesTie
    SoFi7/10

    Same day possible

    same-day funding is possible

    Source: lendingtree.com ↗

    LightStream7/10

    Same day possible

    same-day funding can be available

    Source: lendingtree.com ↗

    Nothing to separate them here.

  6. Round 6How many Trustpilot reviewsSoFi wins
    SoFi8/10

    13,970 reviews

    reviews on Trustpilot, rated 4.3 out of 5

    Source: trustpilot.com ↗

    LightStream5/10

    119 reviews

    reviews on Trustpilot, rated 1.5 out of 5

    • 119 reviews, against 13,970 reviews

    Source: trustpilot.com ↗

    SoFi wins this round on independent review-site data, not on its own claims.

LightStreamLightStream

Side by side

LightStreamBest for how much you can borrowLightStream
Overall score
6.9
Best
6.2
Price
See price
See price
How much you can borrow
7.5
7.8
The smallest loan
6.0
5.4
What customers say on Trustpilot
6.5
5.0
How many Trustpilot reviews
6.5
5.0
The credit score it asks for
—
5.0
Head-to-head findings
How much you can borrow
$100,000
$100,000
The smallest loan
$5,000
$5,000
What customers say on Trustpilot
4.3 out of 5
1.5 out of 5
How many Trustpilot reviews
13,970 reviews
119 reviews
The credit score it asks for
—
Good-to-excellent credit
The highest origination fee
0%-7%
No origination fee
How fast the money arrives
Same day possible
Same day possible
Record
Head-to-head record
1–0–1
0–4–1
Head-to-heads won
100 %
0 %
Rounds won
42 %
30 %
Pros
  • no origination fee
    Cons
    • $5,000, against $1,000
    • 4.3 out of 5, against 4.9 out of 5
    • 13,970 reviews, against 73,139 reviews
    • 1.5 out of 5, against 4.3 out of 5
    • 119 reviews, against 13,970 reviews
    • $5,000, against $1,000
    • 660, against 600
    Add a third option to this comparison →

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