54% of our customers would recommend this lender.
LightStream is the nation’s premier online consumer lender, and a division of SunTrust Bank. We offer low-interest, fixed-rate loans of $5,000- $100,000 to people with good credit, and a refreshingly simple online loan process. No fees.
Lender ReviewNathan from Carmel, IN Confirmed LendingTree CustomerRecommended!
Fast, personalized serviceMy wife's car broke down unexpectantly and we had to do some immediate car shopping (and quickly secure the funding for it). I completed the application, and had approval early the next day, with the funds wired into my account later in the day. I called them twice to check in the status, and both times they had automatically pulled my file up from my incoming phone number and we're ready to discuss it with me. I expected the typical customer service black hole of transfers to other departments, but each time the first person I spoke with took care of me, and everything they told me would happen did, when hey said it would. So nice to have such a great experience. It also really sped up the car purchase process that I already had secured funding, rather than having to deal with it at the dealer. The fact that the rate they offered was about 2 points below anything else I could find is just a cherry on top.... Read More
Was this review helpful?Thank you for choosing LightStream for your financial needs and for taking the time to share such a glowing review. Offering excellent customer service is our goal and we aim to provide a meaningful experience for every customer.
Lender ReviewMaka from Bluefield, WV Confirmed LendingTree CustomerRecommended!
Excellent online loan service!I absolutely loved this website and their service. I have never used online loan services before. My previous car loan from the bank was for 6% with excellent credit score. Dealing with Light Stream has been a pleasant surprise and breeze to go through. I had to speak with a representative twice with couple of questions. They have been so nice. I absolutely loved their customer service! Then my loan was approved so quickly with the 2.69% APR (didn't even hope for such a low interest). Got everything signed and submitted without leaving my home. I think this is as good as it gets. Thank you guys!... Read More
Was this review helpful?Thank you for choosing LightStream for your financial needs and for taking the time to share such a wonderful review. Offering excellent customer service is our goal and we aim to provide a meaningful experience for every customer.
Lender ReviewRobert from Satsuma, FL Confirmed LendingTree Customer
Good credit score No loanThis place sent email making me think that the loan request would be approved. Then by the next morning got denial. I understand the words they emailed for denial. I don't understand the logic. I have a good credit score and a good income. I have worked on getting it there for a couple years. Now to find out that is not as important as they lead you to believe is so disappointing... Read More
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Lender ReviewJeffrey from New Albany, IN Confirmed LendingTree CustomerRecommended!
Good experience here!Take the negative reviews with a grain of salt. I had an excellent experience with Lightstream. At 7pm I started the loan process and was getting a request for documentation (a pay stub, that was it) within 20 minutes. By 9am the next morning I received a call that they were working on it, answered a couple of questions and had an approval within an hour. I have excellent credit, but not perfect, and I was offered the lowest advertised rate...which was significantly lower than anything else I saw... Read More
Was this review helpful?Thanks for taking the time to post a review. Glad we could help!
Lender ReviewSandeep from Camas, WA
Loan impossibleYou will be wasting your time with them. They say loan uncomplicated but actually its complicated. First time I applied they said they can't verify our income. Really, they couldn't even verify our income from our paystubs. I told them I have rental income & provided them leases which didn't satisfy them. I talked to them and they advised me to re-apply. They should have called me to ask questions to verify info but they didn't. Reapplied, they asked so many questions. My wife was teaching the class but I asked her to call them as they insisted to talk to her. They talked to her specifically for 15-20 mins. We answered all questions. They lady seem satisfied but still they denied us the loan. We were approved for 4% by the dealer but were shopping for better rate. I have never been denied any loan but they denied me too. I have 820 credit and six figure income. Pls. don't waste time with them... Read More
Was this review helpful?We apologize for your experience. Part of our review process may include requesting documents to verify the information listed on the application. If the information is not fully verified, we may not be able to move forward with a loan. If you have not yet reviewed your adverse action notice, please log in to your account on our website. If you have any questions after reviewing this document, please feel free to contact us directly
Lender Reviewmichael from Corpus Christi, TX Confirmed LendingTree Customer
Stay anyway from sparkling pre-offerI applied through lending tree and was pre-approved. Went though the approval process with LightStream and denied. Was just approved for mortgage refinance through Lending Tree recently and have a good score according to lending tree but now I have an inquiry and no auto loan...why even pre-offer if they just deny. Awful!
Was this review helpful?We apologize for any confusion surrounding our process. When an application is forwarded to us by LendingTree, we do not guarantee approval as the application must be reviewed by our credit department. If you have not yet reviewed your decline notice, please sign into your account as the notice will detail the reasons as to why we were unable to move forward with a loan. If after reviewing your notice you have any additional questions, please feel free to reach out to us directly.
Lender ReviewAndrew from Montville, NJ Confirmed LendingTree CustomerRecommended!
Fantastic experienceA fantastic experience. Quick online application, email within 30 minutes asking for a copy of recent pay stub and copy of drivers licence. Scanned and uploaded them, email within another 30 minutes that loan was approved at a great rate for a used vehicle we wanted to buy as a gift for our son. Funds transferred to bank account first thin me t morning as it was late in the day when I applied. Couldn't be easier. Started process at 7 PM and approve by 8 PM. Wow. Grea... Read More
Was this review helpful?Glad we could help with your gift. Wishing you and your family miles and miles of fun in the years ahead.
Lender Reviewwanaruk from Auburn, WA
I don' t understand this company.My credit score is 825 across the board. Income high $xxx,K/years. Asset around 1M Got denied for purchase a Porsche 911. I am Asian and have accent, the guy on the phone was rude. They Counteroffer $50K with 2.24%, Ridiculous, Unacceptable!!! I got approved at dealer for the same rate and full finance. Wasting time.
Was this review helpful?Delivering a positive customer experience is part of our DNA, so we apologize if your experience was less than optimal. We value feedback – good or bad – because it helps us learn. Thank you for taking the time to get in touch. If you have any additional questions, please feel free to contact us directly.
Lender Reviewkevin from Dover, ID Confirmed LendingTree CustomerRecommended!
Easy after we figured out what was wrong.Had a good experience after they figured out that I made an error on the application. Approved within an hour once rectified. Finance balance on a new car purchase.
Was this review helpful?Oops! Thank you for bringing this to our attention. Glad we were able to straighten it out together. Enjoy your new car.
Lender ReviewStephanie from Grand Rapids, MIRecommended!
Best rate and experienceI am one of those people that rarely write reviews but couldn't do this after my great experience. I applied in the evening on a Monday and was advised that I would hear the next business day once underwriting was in the office. I would say by 9 am the next morning I had my approval for a used unsecured auto loan for 1.74%!!! That is an amazing rate and I know being an underwriter for consumer loans myself! The process was simple and I had my money by Wednesday morning with no extra fees. I couldn't even get as good of a rate or customer service from the bank I work at (and underwriters who sit right next to me) if I had tried. For information purposes I had no car loans at the time, small credit card balances (always paid in full but balance always showing as constantly using) 750-780 credit score, two first mortgage loans, 1 home equity term loan. Guessing that debt to income was around 40% as I am not sure what credit card payments showed. About 20k liquid assets and 50k in 401k assets, 32 years of age... Read More
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