loans10 min read
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PenFed vs. LightStream 2026: Best Debt Consolidation Loan
LightStream funds the same day and lends up to $100,000, but its APR ceiling runs to 25.29% — while PenFed stops at 17.99%. For most people consolidating debt, the ceiling matters far more than the advertised floor. Here's the split.
SmartRates Editorial Team
July 30, 2026