LightStream Ratings & Reviews

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LightStream

(4 of 5) 245 Reviews

57% 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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245 Reviews

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

    Quick Approval, Low Rate!

    We applied to several online banks for a personal loan. Lightstream came in with the lowest rate (by a wide margin), with $0 fees and the ability to fund us the same day! The approval process was faster than the other lenders and much easier as well. I would highly recommend LightStream!

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  • Lender Review
    from Gardner, KS Confirmed LendingTree Customer
    (5 of 5)
    Recommended!
    Reviewed:
    Loan Type:
    Auto Loan or Auto Refinance
    Services:
    Closed loan with this lender
    Date of Service:
    March 19, 2018
    Loan Closed On:
    March 26, 2018

    Exceptional Experince

    Crazy quick all done online, got the money fast. This was my first online loan experience and I could not be happier.

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  • Lender Review
    from Tallapoosa, GA Confirmed LendingTree Customer
    (5 of 5)
    Recommended!
    Reviewed:
    Loan Type:
    Auto Loan or Auto Refinance
    Services:
    Closed loan with this lender
    Date of Service:
    March 4, 2018
    Loan Closed On:
    March 9, 2018

    Get it Done!

    Streamlined processes; all our finances were in order which made the entire experience quick and easy. I will and already have recommend to others. I will utilize their services again in the future. Both borrowers were contacted the day after filing for the auto loan, and information confirmed with loan approval that afternoon. Once funded & auto purchased, we simply updated the account with the purchasing info and are set... Read More

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

    Fast loan approval, excellent customer service

    My rate was higher than quoted on Lending Tree but I was also able to borrow a much higher amount and able to consolidate my other personal loan with my credit cards for a lower rate. The rate was 8-12% lower than any other lender offers received. Loan approval was extremely quick. They asked a few questions and asked for a paystub. Applied on Friday afternoon, approved by 5pm same day and funded by Monday. ... Read More

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  • Lender Review
    from Huntersville, NC Confirmed LendingTree Customer
    (5 of 5)
    Recommended!
    Reviewed:
    Loan Type:
    Auto Loan or Auto Refinance
    Services:
    Closed loan with this lender
    Date of Service:
    February 28, 2018
    Loan Closed On:
    March 5, 2018

    Great Company

    They make it soooooo easy to do business with them!!! They're knowledgable, friendly. Who could ask for more?

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  • Lender Review
    from Dayton, TX Confirmed LendingTree Customer
    (5 of 5)
    Recommended!
    Reviewed:
    Loan Type:
    Auto Loan or Auto Refinance
    Services:
    Closed loan with this lender
    Date of Service:
    March 28, 2016
    Loan Closed On:
    March 31, 2016

    5 stars

    Painless application. Received money quickly. I paid it off early and had no issues through out the service of the loan.

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  • Lender Review
    from Carmel, IN Confirmed LendingTree Customer
    (5 of 5)
    Recommended!
    Reviewed:
    Loan Type:
    Auto Loan or Auto Refinance
    Services:
    Closed loan with this lender
    Date of Service:
    September 25, 2017

    Fast, personalized service

    My 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

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    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 Review
    from Bluefield, WV Confirmed LendingTree Customer
    (5 of 5)
    Recommended!
    Reviewed:
    Loan Type:
    Auto Loan or Auto Refinance
    Services:
    Closed loan with this lender
    Date of Service:
    August 26, 2017
    Loan Closed On:
    August 31, 2017

    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 Review
    from Satsuma, FL Confirmed LendingTree Customer
    (1 of 5)
    Reviewed:
    Loan Type:
    Auto Loan or Auto Refinance
    Services:
    None - we connected, but I didn't move forward
    Date of Service:
    April 26, 2017

    Good credit score No loan

    This 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 Review
    from New Albany, IN Confirmed LendingTree Customer
    (5 of 5)
    Recommended!
    Reviewed:
    Loan Type:
    Auto Loan or Auto Refinance
    Services:
    I'm currently working with this lender
    Date of Service:
    January 12, 2017

    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

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    Thanks for taking the time to post a review. Glad we could help!
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.