LightStream vs OneMain Financial
LightStream offers a 7.24% APR compared to OneMain Financial's 11.99% APR, a significant difference in borrowing cost. LightStream also carries FDIC insurance and the same $0 minimum and monthly fee structure, making it the stronger choice for borrowers prioritizing rate and deposit protection.
Option B
OneMain Financial
11.99%
APR
- Min
- $1500
- Fee
- $0/mo
Best for: savers prioritizing brand familiarity
Open with OneMain Financial →How this comparison was built
Rates and fees are pulled from each provider's published rate disclosures and reviewed by our product data pipeline. The verdict above is generated from the verified data — we don't accept payments to influence rankings. Last refreshed 8/23/2026.