LightStream Ratings & Reviews

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LightStream

(4.1 of 5) 276 Reviews

64% of our customers would recommend this lender.

About LightStream

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.

Customer Reviews

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276 Reviews

(4.1 of 5)
  • Lender Review
    from Asheville, NC
    (5 of 5)
    Recommended!
    Reviewed:
    Loan Type:
    Auto Loan or Auto Refinance
    Services:
    Closed loan with this lender
    Date of Service:
    December 20, 2018
    Loan Closed On:
    December 21, 2018

    Seamless

    This was an amazingly easy and seamless process. No complications, the loan was approved online and the money wired to my bank account about a week before I needed it.

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  • Lender Review
    from Niagara Falls, NY
    (1 of 5)
    Reviewed:
    Loan Type:
    Auto Loan or Auto Refinance
    Services:
    None - we connected, but I didn't move forward
    Date of Service:
    June 3, 2018

    Do not waste your time

    Lending tree gave "preapproval" auto loan rates from LightStream at 4.79% for 6 years. Applied and got denied. Saying lack of recent installment loan information, no recent revolving balances and a few others. But yet I just paid off a 6 year auto loan in March 2018, have a personal loan currently, have had both in the past as well, own my home and have all my credit cards paid off the end of each cycle. What more do they want? Oh and the dealer got it financed with no issue.... Read More

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  • Lender Review
    from Carrollton, TX
    (5 of 5)
    Recommended!
    Reviewed:
    Loan Type:
    Personal Loan
    Services:
    I'm currently working with this lender

    5 out of 5 stars

    I was surprised and pleased by the rate on a personal loan I requested. The online process was quick and painless. It's nice to find a company that recognizes when good people work hard to fix their credit problems. The agent I spoke with had a couple of questions and I had the loan approved literally within an hour. I could not ask for a more reasonable rate and payment plan. I would HIGHLY recommend Lightstream as a lender. You can rest assured that I will be recommending them to my friends and family... Read More

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  • Lender Review
    from Colorado Springs, CO
    (5 of 5)
    Recommended!
    Reviewed:
    Loan Type:
    Personal Loan
    Services:
    I'm currently working with this lender

    Quick and painless

    LightStream made my signature loan so quick and painless for me. All I had to provide was a signature and choose a date that I wanted my loan deposited. Doesnt get any better than that. Never even had to talk to anyone. Thank you LightStream. I can't wait to finish with my home improvements. Tammy

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  • Lender Review
    from Franklin Square, NY
    (5 of 5)
    Recommended!
    Reviewed:
    Loan Type:
    Personal Loan
    Services:
    Closed loan with this lender

    my loan

    applied for a personal loan in the morning was approved and the load was funded by the afternoon great service thanks bob nyc

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  • Lender Review
    from Charlotte, NC
    (5 of 5)
    Recommended!
    Reviewed:
    Loan Type:
    Auto Loan or Auto Refinance
    Services:
    I'm currently working with this lender
    Date of Service:
    December 7, 2018
    Loan Closed On:
    December 11, 2018

    The Future of Auto Loans (Fast and Easy)

    This service is exactly what I hoped existed in today's modern world. I just bought my first (preowned) car and needed a loan. The dealership quoted me an APR of 12% so I decided to try to find a loan with a better rate. I saw the good reviews that LightStream had and decided to give them a try. The quote/approval process was so fast and easy and they gave me a great APR. The money appeared in my account on the day I chose (can only choose week days) and I was able to pay the dealer directly. Highly recommend... Read More

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  • Lender Review
    from Joshua, TX
    (5 of 5)
    Recommended!
    Reviewed:
    Loan Type:
    Auto Loan or Auto Refinance
    Services:
    Closed loan with this lender
    Date of Service:
    November 5, 2018
    Loan Closed On:
    November 6, 2018

    Surprised by ease and speed of process

    I have been in the lending industry for 24-years. I was looking for an auto loan. I spent 10-15 minutes applying on my mobile device. I waited a day while I spoke to a credit union. When I clicked on complete app, I was expecting to navigate a longer more involved online process. I was very surprised to go through 3-4 navigation screens; accepting a loan agreement, putting in my banking info for funding and ACH payments, and an identity verification screen. It took... Read More

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  • Lender Review
    from Tampa, FL
    (5 of 5)
    Recommended!
    Reviewed:
    Loan Type:
    Auto Loan or Auto Refinance
    Services:
    Closed loan with this lender
    Date of Service:
    August 21, 2018
    Loan Closed On:
    August 24, 2018

    Best Auto Loan Company

    Best auto loan company by far and I've purchased many, many cars. Thanks

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  • Lender Review
    from Gautier, MS
    (5 of 5)
    Recommended!
    Reviewed:
    Loan Type:
    Personal Loan
    Services:
    Closed loan with this lender

    Un-Believeable Personal Loan

    Absolutely incredible! With a 768 credit score everybody else wanted between 15-19% APR interest rate. With LightStream i received a $25,000 personal loan for 9.5%, 7 years, no upfront fees/no origination, 409 dollars/month payment, filled out paperwork online, received the money in one week, could have gotten it like the next day but i didn't need it then, no documentation required. I could have gotten a rate as low as a 7% if i would have taken the loan over 2 years. I have never borrowed money like this - without talking to a single human being, this quite frankly takes a little getting used to... Read More

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  • Lender Review
    from Hillsborough, NC
    (5 of 5)
    Recommended!
    Reviewed:
    Loan Type:
    Personal Loan
    Services:
    Closed loan with this lender
    Date of Service:
    September 28, 2018
    Loan Closed On:
    September 28, 2018

    Excellent service

    Quick and received money the next day!

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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.