LightStream Ratings & Reviews

LightStream

4 of 5 201 Reviews


Who is LightStream?

LightStream is the national online consumer lending division of SunTrust Bank, the flagship subsidiary of SunTrust Banks Inc., one of the nation’s leading financial services companies.  LightStream delivers a revolutionary loan experience...

Read more


48% of our customers would recommend this lender. (33 of 69)


Customer Reviews


  • (0) (0)

    Car Loan

    Yes, I recommend this lender

    I applied online on a Monday afternoon at 430pm EST. The loan was approved by 530pm EST the same day. I requested the loan funding for The next day. Funds were in my checking account by noon the next day. Everything was exactly as advertised and the process was very quick simple and easy to understand. This was the best loan process I have ever used and I would definitely recommend to anyone wishing to purchase a used car. The rate was unbelievably low and simple interest. Good job Lightstream!

    By:   (North Carolina)Reviewed On:

    Was this review helpful?

  • (0) (0)

    Terrible

    This lender required nearly twice as much information as other lenders on lending tree and ultimately denied my loan. Other lenders provided much better customer service and weren't nearly as cumbersome to work with.

    By:   (Indiana)Reviewed On:

    Was this review helpful?

  • (1) (0)

    False "pre approved" loan

    They Gave me a great pre approved rate. Then declined my app. They said it was because I don't make or have enough money. That's the point of a loan. I have a great credit score and a full time job with a decent salary. Thanx for nothing light stream

    By:   (USA)Reviewed On:

    Was this review helpful?

  • (0) (0)

    Seemed too good to be true

    Yes, I recommend this lender

    By far the easiest loan process I've ever experienced. I've got good credit in the 750-780 range. I was able to get a 1.99% unsecured auto loan for 21500. Within a day they approved my application and set out the terms of the loan. Signed papers the following day(today) and I'm expecting disbursement tomorrow. The 1.99% was by far the best rate I've seen anywhere. I'm extremely satisfied. I've heard many do not qualify and are rejected, but considering quickness, ease, and rates, it is WELL worth your time to apply.

    By:   (Phoenix, AZ)Reviewed On:

    Was this review helpful?

  • (0) (0)

    Great experience

    Yes, I recommend this lender

    It took less than 24 hours from applying for a loan to having the funds in my account. I was looking for a low interest car loan ($32K) and was approved in less than an hour with amazing interest rate for an unsecured loan. There were no closing costs, no hidden fees - easiest car loan experience I've ever had! Highly recommended!

    By:   (Louisville, KY)Reviewed On:

    Was this review helpful?

  • (1) (0)

    Fast and Responsive

    Yes, I recommend this lender

    Hi, The response was Excellent, Fast and Supportive. Thanks, -Shiva

    By:   (MSP)Reviewed On:

    Was this review helpful?

  • (4) (0)

    zero customer service. ZERO.

    I got a loan elsewhere. Unsecured. Their website had no customer service number I could call with questions. This was the second time I have tried to use Lightstream and was turned down. I Make over 100k a year, Have over 80k of liquid assets among other mutual funds, IRA's, and stocks. At the time I applied I had a credit rating between 775-825. All I wanted was a 30k Loan for an automobile. Their Loss.

    By:   (Kansas)Reviewed On:

    Was this review helpful?

  • (5) (2)

    Waste of time

    They are a waste of time requested loan of 31k debt to income ratio at 27% credit score 772 and annual salary of 125k a year. They declined my loan this company is a waste of time and not worth the inquiry on your credit go else where

    By:   (Phoenix AZ)Reviewed On:

    Was this review helpful?

  • (6) (2)

    WASTE OF TIME!~

    Yes, I recommend this lender

    Good credit, never late, high income - not enough reasons for them to approve my loan request. Just like any other bank - they come on strong and promising and deny you with a rapid speed if you don't fit they perfect idea borrower, which I frankly do not know who can be. Based on my experience and reading other reviews here - do not waster your time with this pretend to be a good lender.

    By:   (Las Vegas, NV)Reviewed On:

    Was this review helpful?

  • (4) (0)

    Approved with 720 FICO Score

    Yes, I recommend this lender

    We were looking for a $50,000 unsecured loan to finance an inground pool. The pool company we were using referred us to Lightstream. After reading a ton of reviews that indicated that you must have excellent or perfect credit I almost did not bother applying. Our credit is not horrible but not perfect ether. My FICO score was 720 and my husband's is 745. Things we did have in our favor were the fact that both my husband and I have worked at our jobs for over 25 years and we have quite a bit of money in our pension and 401k. I finally bit the bullet and applied at 3pm ET on good Friday. We got a phone with 15 minutes asking a couple of minor questions and then received an email asking that we upload a copy of our most recent paychecks. Once that was complete we got an approval email within an hour. Definitely the most painless loan process I have ever experienced.

    By:   (Atlanta Ga)Reviewed On:

    Was this review helpful?

LightStream is the national online consumer lending division of SunTrust Bank, the flagship subsidiary of SunTrust Banks Inc., one of the nation’s leading financial services companies.  LightStream delivers a revolutionary loan experience that allows customers to focus on their purchase, rather than on their financing. With our innovative lending products and proprietary technology, consumers with strong credit profiles can receive highly competitive, fixed rate financing via an easy, fast and entirely paperless loan process. 
Feedback Form