LightStream Ratings & Reviews

Edit Your Review

LightStream

(4 of 5) 221 Reviews

51% 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

Edit Your Review

221 Reviews

(4 of 5)
Review Breakdown
  • (145)
  • (24)
  • (4)
  • (0)
  • (48)
  • from Estero, FL
    (5 of 5)
    Recommended!
    Reviewed:

    The most amazing loan experience I've ever had

    (0) (0)
    I can't say enough about this company and their customer service. My wife and I found them by chance back in 2013 and since then we've closed four auto loans totaling ~$60k. The first was a refinance which saved 2.5% and hundreds over the life of the loan. The process was so seamless that we refinanced another vehicle about two weeks later. It seems that they value repeat customers and consider their payment history as the subsequent loans were even easier and quicker decision; within hours in both cases with little to no documentation required. In all cases we had the choice to receive same day deposits of the funds for a small fee or next day for no additional charge. We both have ~ 800 credit scores and some assets, but I would say this company is worth a shot for anyone above 750, some assets, and good debt to income. It seems that most of the negative reviews are from those who were denied. What I'll say is that the customer service is second to none and if you establish a relationship with them (even if it's via the internet) they will deliver in a way which other lenders cannot... Read More

    Was this review helpful?

  • from Scranton, PA
    (5 of 5)
    Recommended!
    Reviewed:

    The Easiest Process EVER

    (0) (0)
    I cannot say enough wonderful things about this company or their process. I applied for a $17k auto loan, was approved within 3 hours at the lowest rate they offer (which I had convinced myself would only be available to people with 840+ credit scores. Once I received my approval, it was so simple to go in, select a deposit date, and select the beginning repayment date. This process was so seamless, so easy, that I almost feel like I cheated the "system". I will be recommending LightStream to all of my friends, family and co-workers... Read More

    Was this review helpful?

  • from Grove City, OH Confirmed LendingTree Customer
    (1 of 5)
    Reviewed:
    Date of Service:
    November 13, 2015

    Personal Loan

    (0) (0)
    They would not give me a loan to pay off my wife's credit card without her information. They did not care.

    Was this review helpful?

  • from Denver, CO
    (1 of 5)
    Reviewed:

    Poor Acceptance Rate

    (0) (0)
    LightStream was the best candidate for a loan, but with a credit score of 765 isn't enough for them to extend me a loan for 15,000. Kind of silly based on my income. But whatever their loss.

    Was this review helpful?

  • from Creston, IA Confirmed LendingTree Customer
    (1 of 5)
    Reviewed:
    Date of Service:
    February 17, 2016

    Dont do it waist of time

    (0) (0)
    I got an offer from them then after i filled out the form they asked for they made me a counter offer saying they couldnt loan me the full amount i asked for and put a bunch of stipulations on how i could use the loan i have a credit score of 752 and dont have any dept exsept my morgage witch is 1/3 what my house is werth i have other banks fighting to give me a loan i would never use these guy... Read More

    Was this review helpful?

  • from Gilroy, CA
    (5 of 5)
    Recommended!
    Reviewed:

    Easiest Loan Ever

    (0) (0)
    Reviews of Lightstream seem to be very digital, either excellent (1) or terrible (0). For me it is 1..EXCELLENT. This was the best loan experience I have ever had through several cars, houses, and various other items. I used the loan to purchase a 1967 Chevelle. I was approved almost instantaneously, had the funds wired to my bank account exactly when I asked, and was able to purchase the car without a lien on the title. Who could ask for more? The whole experience was absolutely fantastic. It almost felt like one of those "too good to be true" things, BUT, it was true. I can only guess the bad reviewers have some sort of red flag on their credit report...probably poor income to debt ratio. My credit score is high 836. Not only would I recommend Lightstream, I already have. In particular I would highly recommend to any classic car purchaser or seller... Read More

    Was this review helpful?

    Enjoy your classic! We really appreciate that you took the time to post a comment. We work hard to help applicants whenever possible, and we’re always happy to hear how things turn out. Thanks for sharing!
  • from Haslet, TX
    (1 of 5)
    Reviewed:

    Horrible service look elsewhere

    (0) (0)
    Very difficult to work with! I would not recommend anyone to send business their way. Found them very unprofessional and condescending from the start. I asked for a underwriter a few times and they were always "unavailable" when I finally got an "underwriter" on the phone and asked questions he said that was for the credit team. Stumbled around with his words most likely I was transferred to another colleague and not an actual underwriter like requested. Then the same guy was not very forward with his name. Being in the finance business myself I will not be sending them work related business in the future and will start with other trusted lenders from the start... Read More

    Was this review helpful?

  • from Phoenix, AZ
    (5 of 5)
    Recommended!
    Reviewed:

    Best Experience Ever

    (0) (0)
    I cannot say enough about my experience with LightStream. Within three days of applying for a new car loan I had my funds in the bank. The online application process was seamless and the follow-up for additional documentation was effortless. and within a day of my loan being approved my funds were wired to my account. The sweetener came with the interest rate that was offered...3% on a 72 month loan.....A++++... Read More

    Was this review helpful?

    We’re glad you had a great loan experience. Thanks for posting! –LightStream
  • from Huntsville, AL
    (5 of 5)
    Recommended!
    Reviewed:

    Excellent. I'd hug LightStream if it was a person.

    (0) (0)
    My FICO score 750, I refinanced my car which was at 3.90% and got a 2.24% through LightStream. Money was deposited next day without delay, everything was so easy and self explanatory, I didn't need to talk to anyone so I didn't test their customer service over the phone, but communication through e-mail was there and was great. Saving over $500 in the next 3 years thanks to this.... Read More

    Was this review helpful?

  • from South Windsor, CT Confirmed LendingTree Customer
    (5 of 5)
    Recommended!
    Reviewed:
    Date of Service:
    November 10, 2015

    Excellent Used Auto Loan

    (0) (0)
    Excellent terms and they have an easy process through their website. I would recommend them to anyone.

    Was this review helpful?

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.