LightStream Ratings & Reviews

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LightStream

(3 of 5) 241 Reviews

52% 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 to $100,000 to people with good credit, and a refreshingly simple online loan process. No fees. 

Customer Reviews

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241 Reviews

(3 of 5)
  • Lender Review
    from Lafayette, LA Confirmed LendingTree Customer
    (1 of 5)
    Reviewed:
    Date of Service:
    August 15, 2016

    Total waste of time

    (1) (0)
    I initially was told I could refinance my car and get a 2.75% rate, but after filling out all kinds of stuff online I was IMMEDIATELY rejected. Didn't make much sense with a 721 credit score and my annual income. No one to call or talk too from lightstream either. Very frustrating. Total waste of my time.

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  • Lender Review
    from Coulee City, WA Confirmed LendingTree Customer
    (1 of 5)
    Reviewed:
    Date of Service:
    May 4, 2015

    Terrible, use a credit union instead

    (0) (0)
    Terrible! They require twice the paper work of my credit union, provide ZERO customer support (not even a phone number offered!!) and no way to know whether certain tax documents they request will be filed correctly with the IRS. (They request files directly from the IRS to prove your income).

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  • Lender Review
    from Wesley Chapel, FL Confirmed LendingTree Customer
    (5 of 5)
    Recommended!
    Reviewed:
    Date of Service:
    May 9, 2016
    Loan Closed On:
    May 11, 2016

    go here with good credit

    (0) (0)
    Best value and monthly price I've found on a personal unsecured loan.

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  • Lender Review
    from West Columbia, SC Confirmed LendingTree Customer
    (1 of 5)
    Reviewed:
    Date of Service:
    August 2, 2016

    DON'T WASTE YOUR TIME

    (0) (0)
    Don't waste your time!! I submitted an application and the required documents as requested. 3 days later I got a call saying I needed to re-submit the documents because they had not received them. I did just that and waited for an answer. I waited 3 more days and received another phone call stating they needed me to re-submit them a second time! Ridiculous, I told them not to worry about my application. What a joke... Read More

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    We apologize for your experience. In some cases, we do require for additional documents to be provided in order to verify the information on the application. If you have any additional questions or concerns, please feel free to contact us directly.
  • Lender Review
    from Los Angeles, CA
    (5 of 5)
    Recommended!
    Reviewed:

    Oustanding Service and Very Fast Response time

    (0) (0)
    This place is great. The online application was quick and easy. Within an hour they called to let me know I was approved. Customer service is fantastic. Low interest rate too!! I'm happy that I found LightStream. I give you guys an A++. Keep up the great work.

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    Glad we could help! Thanks for the kind words.
  • Lender Review
    from Englewood, NJ Confirmed LendingTree Customer
    (2 of 5)
    Reviewed:
    Date of Service:
    June 20, 2016

    Poor customer relations

    (0) (0)
    The application process was not clear, and the customer/loan rep. was condescending.

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    We appreciate you providing feedback on your experience and regret that you did not have the best experience with our process. We will forward your feedback to the appropriate area in order to ensure that your concerns are addressed. If you have additional questions, please contact us directly.
  • Lender Review
    from Andover, KS Confirmed LendingTree Customer
    (1 of 5)
    Reviewed:
    Date of Service:
    July 7, 2016

    Waste of Time

    (1) (0)
    Offer extended big congratulatory statement when application was submitted and was declined almost immediately complete waste of time

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  • Lender Review
    from Troy, PA Confirmed LendingTree Customer
    (5 of 5)
    Recommended!
    Reviewed:
    Date of Service:
    July 3, 2016

    So easy!

    (0) (0)
    The process was so easy! After being pushed around by my bank this was a delight and a big worry off my shoulders. A quick online application, one courteous phone call, and money when I need it. It doesn't get any better.

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  • Lender Review
    from Westwood, NJ Confirmed LendingTree Customer
    (5 of 5)
    Recommended!
    Reviewed:
    Date of Service:
    June 27, 2016

    Hands Down Best Experience Ever!!!

    (0) (0)
    Amazing experience! I reached out to LightStream because I'm buying my first boat and I can't say enough about how great this experience was. I submitted my application online on a Wednesday, got a call a few hours later that missed. Called them back in the morning the next day, answered a couple of questions they had, got an email 20 minutes later asking for me to attach my latest paystub, 20 minutes after I did that I got an email with approval. I could have had the money wired the next day if I chose. I held off because I was still negotiating with the broker on the boat. The whole process took less than 24 hours. To put it in perspective, I submitted an application with the broker to finance through his company two days before I submitted with LightStream... it's now been almost a week and I haven't heard back regarding the financing from the broker yet. I just told him to forget about it, I was going to pay cash. That helped the negotiations! I never, ever take the time to write reviews but this process was so easy, the customer service and responsiveness is by far the best I've ever had. If you're looking for a pleasant experience financing your next toy, you have to reach out to LightStream and see what they have to offer.... Read More

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  • Lender Review
    from Alpharetta, GA Confirmed LendingTree Customer
    (5 of 5)
    Recommended!
    Reviewed:
    Date of Service:
    June 8, 2016

    All around great experience...wow

    (1) (0)
    I have never experienced a simpler or quicker loan process in my life. Applied and was approved within 2 days. Any delays were generally tied to how often I checked my email, Application process was all online and took 10 minutes max. Received a great rate and money was deposited in my account on the day I selected. All transactions were simple, fast, and digital. Would highly recommend to anyone who meets their acceptance criteria... Read More

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    Thanks for the write-up. We’re glad we could help! Thank you, Suzy
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 to $100,000 to people with good credit, and a refreshingly simple online loan process. No fees.