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LightStream Review

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Reviews 40

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Caroline Banton
Caroline Benton
May. 30, 20214 min read

LightStream summary

LightStream provides new and used loans, classic car financing, and lease buyouts. LightStream also offers customers flexibility thanks to its broad repayment terms, loan amounts, and interest rates. This provider is a top choice for borrowers with good to excellent credit who seek a realistic and fair loan to buy a car.

Pros

  • A wide range of interest rates and repayment terms
  • The application to approval process can take less than a day

Cons

  • Requires good or excellent credit for loans
  • Higher rates if autopay not enabled

LightStream LightStream Visit Site

Suitable For?

LightStream is a good option for a variety of customers as it provides unsecured loans for new and used cars. LightStream only works with customers who have good to excellent credit, making it a better alternative if you have solid financial standing and are simply looking for a way to expedite the car buying process. Also, LightStream’s generous loan amounts and low interest rates are flexible. 

LightStream Features

LightStream offers loans for:

  • New cars
  • Used cars from a dealer
  • Used car from a private party
  • Auto refinancing 
  • Lease buyouts
  • Classic cars from a dealer
  • Classic cars from a private party

LightStream goes out of its way to ensure that you can find an easy and versatile financing solution for any type of car purchase. It has a variety of loan types—financing for new and used cars, classic cars, private party purchases, and even lease buyouts. Approval and funding can be completed within the same day because the process eliminates the paper application. You can even complete the process on your computer or mobile device. LightStream offers a rate beat program, whereby it will beat any comparable interest rate presented by competitors by 0.10%.

Some highlights include:

  • A fast application process
  • A variety of loan options
  • Flexible loan terms
  • Loan amounts up to $100,000
  • Secured and unsecured loans
  • Receipt of funds within the same day

LightStream Application Process

Getting started with LightStream is both efficient and painless. The company’s explicit goal is to help you avoid the red tape that accompanies conventional lending, and its online application process reflects this. LightStream works with customers that have good to excellent credit profiles, which is a major reason why it can offer competitive rates and terms.

Given the unique nature of each individual's credit profile, LightStream does not hold to a single definition of "good credit." Instead, it considers the following criteria:

  • Several years of the borrower’s credit history.
  • A credit history with a variety of account types, such as major credit cards (Visa, MasterCard, Amex), installment debt (vehicle loans), and mortgage debt, if applicable.
  • Payment history including any delinquencies or other problems repaying debt obligations.
  • An ability to save evidenced by some or all of the following: liquid assets (stocks, bonds, bank deposits), cash down payments on real estate, retirement savings, and manageable revolving credit card debt.
  • Stable and sufficient income and assets to repay current debt obligations and any new loan with LightStream.

Loan Types and Terms

LightStream offers a variety of loan options. Aside from traditional new car loans, you can opt for used car loans for both dealer purchases and private party financing, auto refinancing, and lease buyouts. These alternatives feature solid interest rates and term options to help you find the financing solution that matches your financial circumstances. All loan types offer amounts that range between $5,000 and $100,000, and range from 24 to 84 months.

All loan amounts for all auto loans now extend from 24 to 84 months. New and used car loans for dealer purchases start at 3.49% APR for customers who use LightStream’s AutoPay option. Loans higher than $10,000 and lower than $24,999 have starting interest rates as low as 3.49% APR with AutoPay for a 24 and 36-month term.

For used car loans from private parties, interest rates start slightly higher at 4.99% APR with AutoPay. Refinancing offers interest rates as low as 3.49% APR with AutoPay for loans between $10,000 and $24,999 with terms of 24 to 84 months.

All loans from LightStream are unsecured and fixed-rate. Additionally, LightStream does not charge any prepayment penalties or charge other fees related to loan underwriting. Overall, it offers an outstanding variety of loan amounts, terms, and interest rates. 

How Safe is It?

LightStream emphasizes the protection of customer information. It goes beyond the industry standards for security and uses Norton Security tools to protect against the most common attacks including phishing, malware, and identity theft. Moreover, LightStream is transparent about the information it collects from customers and how it shares that information with third parties, if at all. All customer information is protected by layers of encryption, firewalls, physical security measures, and redundancies. 

Repayment Options

LightStream offers a vast range of repayment terms and alternatives. You can choose to manually pay your loan by receiving invoices, or you can opt for the AutoPay service, which will reduce your interest rates by 0.50%.

For repayment terms, LightStream offers an excellent spectrum. All repayment terms are up to 84 months.

Help & Support

Representatives from LightStream support are available via email and respond to inquiries during business hours Monday through Friday and Saturdays on a shortened schedule. LightStream does not offer telephone support or live chat. However, LightStream does offer an insightful and easy to navigate FAQ section that covers most common questions that may arise during the process.  

LightStream LightStream Visit Site

Final Word

LightStream’s broad range of services include new and used loans, classic car financing, and lease buyouts. The lender provides all customers with the right financing solution to meet their unique circumstances. The company also offers flexibility thanks to its broad repayment terms, loan amounts, and interest rates. In addition to helpful customer support and a simple application process, LightStream is a top choice for borrowers looking to purchase or refinance a car and with good to excellent credit.

Physical Address

SunTrust Bank

303 Peachtree Street NE

Atlanta, Georgia

30308

* See LightStream disclosures here. Payment example: Monthly payments for a $10,000 loan at 3.49% APR with a term of 3 years would result in 36 monthly payments of $292.98.

Caroline Banton
Written byCaroline Benton

Caroline Banton is a freelance writer of business and finance articles that have been featured in The Huffington Post, The Motley Fool, Time, MSN, PYMNTS.com, GOBankingrates.com, SaleMove, and MyBankTracker.com. Before becoming a writer, Caroline had over fourteen years of experience working at the World Bank. Caroline has an MBA from Johns Hopkins University. She writes for BestMoney and enjoys helping readers make sense of the options on the market.‎

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  • author
    Summer Fiddes
    Aug 16, 2022
    Fast, easy, lowest rates.

    Honestly I found this company through my job. Everything was online and quick. No need to deal with any customer support. I submitted everything that was needed and got approved for my loan with the lowest interest rate that I was hoping for (I have really excellent credit). I couldn’t be more happy with how quick and seem less and affordable this process was for me. I’m glad I went with it despite reading these reviews. I think people are confused with this company and some scam that reaches out to them. If you want a good company that is able to have lower rates because things are more automative then this is a company for you.

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  • author
    Eddie Santiago
    Jan 01, 1970
    HORRIBLE HORRIBLE!!

    HORRIBLE HORRIBLE!!! If I can go lower I would this company should have no stars my credit is way over 790 and I still got denied after running a hard credit inquiry makes no sense. This company has no number and is not helpful in any way! PLEASE STAY AWAY AND GO WITH SOFI INSTEAD!!!!

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  • author
    Steven Law
    4 days ago
    They screw your credit before denying your loan

    I jumped through all their online hoops and they gave me an offer online but then said they would do a hard credit inquiry to confirm. So after screwing my credit score with the hard inquiry they denied my loan. Stay Away From Lightstream!!!!!!!!!

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  • author
    Zafar Khan
    Sep 24, 2022
    A Horrible Company

    A Horrible Company. I am surprised how they are in business? They add hard inquiries on you and denied your each and every loan request on heart beat. They turned me down even my Score is over 760. They got to be Bankrupt sooner than later and I will pray for it.

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  • author
    Charles Stein
    Sep 16, 2022
    I applied for a debt consolidation loan…

    I applied for a debt consolidation loan through this company. They came back with too much debt to income even though it’s a debt consolidation loan. The funds would literally go to pay off this debt and actually save over $900 a month by doing so. I’ve never been late on a payment and I have a credit score of 797. So all they really did was Lure me in with a good looking interest rate do a hard pour my credit was dropped my credit score by appoint and stays on there for a couple years and then they claim you for too much debt to income. That makes zero sense. There’s no customer service phone number no real person to talk to you. Don’t trust this company.

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  • author
    Scott Mathis
    Sep 13, 2022
    I used to like using this company-not anymore

    I used to like using this company. Had 2 previous loans with them-one for a boat ($25,000) and another for personal use ($12,000). Paid these off early and always on time. I wanted to get a townhome rental renovation loan of $15,000 which I applied for on 9/12/22 and expected to be immediately approved. My credit score is 821, I have real estate assets well over $2,000,000, yearly income just myself (my wife excluded) of over $190,000. Imagine my shock when I was declined for a loan. I called them up and asked them to explain why. They said my balances (which all of mortgage related) was too high, etc. Really? I explained that all of my mortgages are jointly owned with my wife and that this townhome rental renovation I wanted to do was mine only, so that's why I was applying as an individual. They said they would review the application again. 30 minutes later they sent me another decline email. Unbelievable. I went to another financial company later that afternoon and had the money approved within 5 minutes. If I can't get approved for a $15,000 loan based on my worth, credit score and previous history with them then they should just go out of business. Their loss . . . . .

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  • author
    Kaylee Mullins
    Sep 03, 2022
    Just don’t

    Just don’t. Report any lending tree lending club and lights stream emails saying you’re approved. Idk if the real lightstream is legit with how difficult it was to dictate if I was possibly exposed to a scam. Smh

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  • author
    Keian Weseen
    Aug 30, 2022
    gtfo of here

    they lie to you and make you get the creator version to stream but i dont know if it actually lets you stream because im tryna refund this garbage fk you lightstream

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  • author
    K G
    Sep 08, 2022
    Scam company read other reviews

    Hard inquiry just to be denied. Credit score 700+, previous loans all paid on time. Don’t risk putting your info into this company. Just added a freeze to all my bureaus because it feels like I got scammed for info

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  • author
    Jay Dee
    Aug 18, 2022
    Likely a scam

    I wish I would have read the reviews first. The company is a joke or a scam. The loan I applied for could have been paid off within just a few months. Excellent credit. Denied me because of things like too many credit accounts. Guess having one credit card with a few hundred dollars on it is too much. I think they are looking for people with bad credit thinking maybe they can take advantage of them.

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  • author
    Jason Edward Carter
    Aug 17, 2022
    This company is a joke

    This company is a joke. I applied for a loan for $65,000. Had over $125k in my checking account and I have an 827 credit score with over $120,000 credit line and I own a business. What's funny is I was approved for a $162,000 business loan 6 weeks ago with no issues. They denied me because i have an open mortgage thats I've been paying on for 10 years and never missed a payment. No kidding pal. Its ok because im disputing this hard inquiry and taking my business. I can buy the car cash if I want to but they left a bad taste in my mouth. Im sure another lender will have no problem approving me. I guess Lightstream dont want my business that bad.

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  • author
    Felicia
    Aug 16, 2022
    I need to know if this is a scam…

    I need to know if this is a scam because they sent money to my account and want me to send it back for verification before I can get my loan of $2000

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  • author
    JT
    Aug 14, 2022
    Deceptive Lending Practices

    Absolute dog water of a lender. Their reviews on their website are fake. You aren't allowed to leave a review if you're not already approved either. I make $250k a year with less than 1p% credit utilization and a 740 FICO. I took one month off to get a medical procedure done so I did not have a pay stub last month. They also demanded a pay stub for $250,000. I spoke to a rep on the phone and told them I can give them 2 years tax returns and last 6 months paystubs and 2 years W2, minus July because I'm on a short leave. You can call my employer to verify (Fortune 500 company). I also am going to get $12k a month from short-term disability. She took the notes and sent it back to the credit team. I only applied for a $30k loan. 20 minutes later I got a decline saying I don't have the ability to repay the loan and a bunch other lies such as multiple delinquencies and high credit usage and collections. I have perfect credit payment history, less than 10% credit utilization, never had a collection account in my life. As someone who works in finance lending I can say this company is hot garbage. Will be disputing the inquiry and filing a complaint for deceptive lending practices. They also fail to disclose what documentation is required to obtain credit. I'm surprised this company hasn't been hit with massive fines.

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  • author
    Caridad Davis
    Aug 12, 2022
    SCAMMMERS

    These people called me and told me I was approved for a 10k loan. When they emailed me the form they require my user name and password to my bank! BIG RED FLAG they almost had me beware of these people. First they called from California then Texas

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  • author
    Mark
    Aug 10, 2022
    Excellent experiences!

    We've had two loans with Lightstream and have had an excellent experience both times--smooth application process, easy payment structure and--important to us--no penalty for early payoff! Highly recommended.

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  • author
    Janie N Riley Jo
    Jul 28, 2022
    Reading all the reviews makes me even…

    Reading all the reviews makes me even more furious at myself for not doing my homework and letting myself be sucked in by these bottom feeders. Whenever I don't listen to my gut feelings, I get screwed. I'm embarrassed to say that I'm 65 and have lived long enough to know better but I was in a financial crisis and obviously lost control of my senses. My story is the same as most of you..I was approved for 5K almost on the spot and right then I should've known it was too good to be true because my credit is not good at all. I stupidly believed them probably because I wanted so badly for it to work out. I let my emotions take over. Now, I'm out $600 which overdrew my bank account with no hope of ever recovering it. I got a call from my bank's fraud dept and I knew immediately. I changed all my online banking info right away and they (Lightstream) had the audacity to call me and ask me why I did that. I was almost speechless. I said...Are you effing kidding me? Then I got some BS story that she was not in the payment dept and I said...Save it honey...it's all BS and then I wrote a scathing (and that's putting it mildly) email to Jessica Howard, the supposed Loan Director. I got a return email that said..."Thanks and regards" from Jessica. I was able to get her on the phone and I said...What is wrong with you? She said she was not aware of the problem and would straighten it out. I told her I wanted to hear from her before the close of business today...big surprise...no call. I didn't expect one. I honestly would take great pleasure in flying to CA and pay them a little visit in person with my friend who happens to be on a SWAT team...That's how furious I am. These people are why the world is such a hateful place these days...they don't deserve to breath the same oxygen we do...it's just a waste. I'm really rooting for Karma to work it's magic when they least expect it. Just wish I could be there to applaud. Honestly, I am a kind, peace loving old hippie from the Woodstock days, although I may not sound like it right now but I'm just so saddened by what the human race has become and done to our world. Sorry for the ramble but I had to share. Bless you all and be kind to one another...it's our only chance. As Jimi Hendrix said " When the power of love overcomes the love of power, then and only then will we know peace" Be safe friends.

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  • author
    Heather Grimes
    Jul 13, 2022
    I don’t know if this is the same…

    I don’t know if this is the same company or not but I got a phone call about a loan from Light Stream Finance and they said I was approved for a loan of $2,000 and go through the process and they wanted to deposit money into my checking account to verify my account and then for me to send the money back. The guy kept telling me it will bring my credit score up and then they would deposit the $2,000 into my account. I said I need to check with my bank because they hold deposits and I hung up on the guy and called my bank. It’s a scam.

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  • author
    balaji sharath kumar
    Jun 08, 2022
    light stream never ever calls people…

    light stream never ever calls people and provides a loan if u got any email please check the sender if the sender is from Gmail it is a scam if that email came from lightstream.com it is a legit email please check the domain when u receive any emails. this is for everyone who is in this forum

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  • author
    AB
    Jun 04, 2022
    Total scammers

    Total scammers! Unfortunately I fell for this and now out $800. More mad at myself that let them do this to me. Definitely learned my lesson.

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  • author
    Billionairy
    Jun 04, 2022
    BUER BEWARE

    I applied for a car loan yesterday evening and expected a “fast decision”. I received an email at 6:27AM the next morning asking for me to call to answer a couple questions. I called and received an automated message saying that their offices were closed and to call back between 10am and 6pm. I waited until 10am and called again. Agent asked a couple identifying questions and reassured me I would receive an answer “today”. Received an email at 10:24am asking me to upload documents. I did so and completed the project within an hour. Didn’t hear anything, so at 2:40pm, I called again. The agent said it is currently under review, but not to worry because I will receive a decision “TODAY”. I said “that’s great, because I plan to go car shopping tomorrow.” I didn’t hear back by 6pm, so I called again, but offices are apparently now closed. Logged into the application online and it appears that it’s still in process. Sent an email to inquire and quickly received a denial letter within 60 minutes. According to their system, I have an 802 credit score. I have millions of dollars in investments and real estate. I have very little, to no debt at all. I make over $40,000 per month in income. They declined me for reasons that simply do not apply. Clearly they’re trying to attract people by teasing them with low interest rate offers, but really only looking to approve consumers with low income/credit so they can justify charging high interest rates.

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  • author
    mentally lu
    Jun 02, 2022
    UNRPOFESSIONAL SCAM

    This company called me when I DID NOT apply for anything anywhere online, they just HAPPENED to have my number, I work for a loan company myself and I know that it is NOT PROFESSIONAL to talk over the customer, their employee I beleieve he said his name was Jerry, was walking over me after I asked where he obtained my information. They are unprofessional and rude and get your personal information that they BUY from other websites, SCAM

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  • author
    Roberto Benedettini
    Apr 05, 2022
    Spent half hr filling out app

    Spent half hr filling out app. Then password page does not accept password even when tediously following guidelines. Website looks nice, but is crap.

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  • author
    Shakil khan sk
    Mar 25, 2022
    Totally fake

    Totally fake Fraudster But very smart style to cheat T00 many member with this scam With deffrent id s

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  • author
    Lindy Benlehr
    Feb 15, 2022
    Light Stream loans is a scam

    Light Stream loans is a scam. But I want LightStream to know. I was scammed by Light Stream loans. There is a space between Light & Stream on the scammer! They offered me a loan of $3000 @ 7% interest. When I looked them up, your site shows a special rate for new customers of 7% so I thought it was legit until they wanted to make two deposits into my account for bank verification. Then I was to go to Walmart & call them & they would tell me how to return the money! After that they would make my $3000 deposit.

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  • author
    Richard Mark
    Feb 05, 2022
    Lightstream Loans

    I was contacted by some guy who could barely speak a few words of intelligible English, who said his name was Kevin from Lightstream Loans. He was very forceful and told me he already had my banking info, something I found to be disconcerting. In any event, he told me I qualified for a $3k loan, and after I said I'd think about it, he then proceeded to call me about 20 times a day, until I finally told him I wouldn't ever do business with such a sham outfit that harassed people like that. Thinking that would stop them from calling me, I was wrong. They kept calling, from about at least 25 different numbers. Summarily, I will post as many negative reviews online as I can about them, in the hopes that it saves at least one person from becoming involved with these highly unprofessional group of individuals who pretty much broke every FCC rule that is in existence. ∞®ichard Mark∞ Keywords: Lightstream Loans Fraud Scam light stream financial personal business loans

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  • author
    Danny
    Feb 01, 2022
    Incompetent

    Credit score, payment history, income all ignored. Don't know what the hell these people were looking at, but I will refinance my mortgage and dump them.

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  • author
    L.D
    Jan 11, 2022
    I was offered a Pre-Approval for a…

    I was offered a Pre-Approval for a personal loan at a very good interest rate by Lightstream, this was loan request originally started at Experian.com who in turn showed me many offers from various partners they work with, Lightstream had the best & most competitive rates is why I chose to attempt this with them. The application process itself was Not at all as easy as they claim, human emotions such as envy came into play. My income is straight forward with Zero surprises, also I have very little debt as I Own my home & cars outright & have less than $1000 in credit card debt, I Recieve Two US Government Retirements, Military & Social Security. And my Credit is straightforward as well, i have very well established credit for over 25 years and my score at the time was 761 (a Very Good Score). With a debt to income ratio at Under 7% (including the personal loan I would be paying off with proceeds from the new personal loan). My new Debt to income including New Loan would have gone to a Whopping 9%! The problem came down to The Underwriter apparently Not Liking my answers to her repeated questions as to "What I Was Going to Do with The Money"! I told her I was going to pay off an Open Personal Loan that is on my credit report with a bulk of the money, but she kept asking what was I going to do with the rest or the remaining funds...I told her that money would Sit in my Savings until when & if I needed it, and that "it's Personal" which by the way is the definition of what a personal loan means, For Personal Useage! Like I say, she didn't like this answer at which point she tried to tell me she would not give me a Personal Loan in order for me to use a bulk of it "On or for Personal Reasons" and I told her to get outta the "Personal Loan Business"... Needless to say, this was a Huge Waste of my time as well as a Waste of a Hard Inquiry being placed on my Credit, I Refused to Take Some Bait & Switch Loan & Lightstream Received Nothing! I in turn Called my Bank, Navy Federal and Recieved a New Personal Loan with No Questions Asked other than What day of month is a good payment date for me, And the 35k was in my savings account in Lightstream type Speed within 5 Minutes! Did I Mention I have Very Good Credit with good income & No Debts??? When you play games be prepared for those of us Who Don't Need & are Not Desperate to Walk Away on the Drop of a Dime! Be Careful with Lightstream, they have large fees that are not part of the APR, Just be Careful at what you sign, there are Many Different Options in today's Highly Advanced Day & Age, Options that are Honest & without Games!

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  • author
    Sam
    Jan 05, 2022
    Time wasters that lie. Don't waste your time with the phoney preapproved offer they send!!

    Terrible! Don't trust them or waste your time. Sent me a preapproved offer for 30k. Applied and they didn't approve me for anything. Not even a 1000 dollars, lol. My score is over 800, have had many other personal loans of greater value, all paid on time. Have other offers now on the table, just thought I would check out their offer of the lower interest rate they offered me. Liars. Now, I will have that hard check on my credit for when I go to apply to an actual legitimate bank, lol. You don't want that. Don't waste your time only to end up with an inquiry on your credit report. This Bank is at the very bottom of so called banks. Luckily I'm not in some desperate position as some others may be in, maybe they need money for an operation or to get away from someone abusive and this bank will come along and mess that up for that "needy person". Their "word" means nothing.

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  • author
    shadi shadibadhotmail.com
    Dec 16, 2021
    You advertised 3.69% for perfect credit…

    You advertised 3.69% for perfect credit for 84 months. My credit is 750 and the rate was %6.44 . Not only is that false advertising but now I have a ding on my amazing credit from your garbage company. I will make sure to give you a bad review on any platform I think of

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  • author
    Ali Malik
    Nov 17, 2021
    I had not issue at all

    I had a good experience with lightStream. The process was simple and easy and in 2-3 days I got approved. The money was in my account and I was able to buy my car. I had no issues with the process and the rate calculator gives you a good idea about what you are getting into. Better than get finance with a dealer.

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  • author
    David Carozza
    Jun 22, 2021
    Garbage company and deceptive practices

    Garbage company and deceptive ads! They claim the process to be extremely easy especially with people with excellent credit (over 840 credit score). I applied for a loan to do some home improvements thinking it would be easy and painless. Nothing of the sort! They are a complete joke. I withdrew my application and decided to just go with my local bank which was easy and seem less with a person of my credit worthiness. If you have excellent credit do yourself a favor and avoid these people at all costs. Scam company at best

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  • author
    T L
    Jun 10, 2021
    LightStream is Unresponsive and Unprofessional

    The LightStream fintech lending division of Truist Bank is inept and unprofessional. They operate as if they started business yesterday, and seem unacquainted with consumer lending laws, bank compliance or regulations. They are not professional, and Truist Bank (formerly known as BB&T and SunTrust Bank) provides no discernible oversight, escalation of consumer complaints, or support to this shoe-string operation. Avoid at all costs.

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  • author
    Tia
    Feb 01, 2021
    Hard to get refinance with great credit

    I have perfect credit and had a hard time to get an auto refinance. The company did not offer a better APR as suggested. They could not beat my current rate. They told me it is possible only if I try again to refinance with another company and see if they can beat that rate. I did not understand their logic.

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  • author
    John Culbertson
    Dec 08, 2020
    Lightstream doesn't care about the consumer!

    Terrible customer service and an unwillingness to work with the consumer. My company recently moved my pay dates back by 2 days. I called Lightstream simply to move my auto debit back to align with these new dates. They not only are unwilling to move this date back by two days, they are increacing my rate by .5% if I cancel my autopay. Horrible customer service, especially in the middle of a pandemic. Avoid this company at all costs!

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  • author
    BK
    Jul 03, 2020
    Really bad company - bait + switch tactics

    Really bad company - bait + switch tactics - had previously been approved for a rate of around 7%, then now it's over 10% despite have far better credit history etc. This company has bait and switch, they publish great rates, but then for someone with a 800+ FICO, with lots of extra cash, capital, etc. They then only approve a rate of 10.19% when they publish a 6.39% headline rate. Misleading. Not happy.

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  • author
    LavishM
    Jun 18, 2020
    SCAM Lender, Consumer beware!

    SCAM! CONSUMER BEWARE! I have excellent credit and wanted a debt consolidation loan. Lending Tree said I was Pre-Approved through several lenders. I choose LightStream under the pretense that I was pre-approved because BOTH LENDING TREE AND LIGHTSTREAM websites said I was pre-approved. But atlas, my loan application was denied. I would've never applied had the websites not said I was Pre-Approved. Absolute SCAM. Stay away!

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  • author
    Matt Hurley
    May 01, 2020
    You'll regret it!

    Cheap now, Pay later! Easy process of getting money....downhill from there. Look elsewhere! All reviews are from them processing payments, but have you ever seen a review afterward?! Min $100 payments, some payments take up to 4 days to pull and they charge you interest in the meantime! There system messed up, called in for final payoff, clicked the "payoff final amount", and my loan is still having problems! Rep told me to just make another payment and ask for a refund later! Seriously!

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  • author
    Anonymous
    Mar 31, 2020
    Terrible- Rejected excellent credit loan application

    Terrible! I have excellent credit, been a SunTrust customer for over 15 years applied for a loan to help pay off a credit card balance of just over $6000 and instantly got turned down! Friends have told me that everybody that applies online will get rejected, they say I should have applied in person...Thats terrible customer service, I'm a client, they should know my reputation by my history in their file system. They claim to help people in need during this corona virus pandemic- except for me! I applied somewhere else and got approved immediately, took less than 3 days to get funds in my account! Applied ONLINE!!! Better rate too. I don't need Lightstream!

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  • author
    PRodriguez
    Oct 12, 2019
    Best financial company I’ve dealt with ever!

    Wow wow wow! They’re by far the best financial company I’ve ever dealt with. My loan was approved within hours (talk about fast approvals!) I received a super competitive fixed interest rate and the term that I wanted. I’m extremely satisfied and I highly recommend LightStream to anyone looking for a competitive interest rate, flexible terms, fast approval, and a hassle-free experience.

    ...

  • author
    Mark
    Apr 30, 2019
    The best loan I've ever had

    The best loan I've ever had. For openers they'll give you $100 if it isn't the best loan you've ever had. If their rate isn't the lowest they give you a credit as well. I have a high credit score so they gave me the loan with absolutely no documentation. In the three years I never had the slightest problem. AMAZING

    ...

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