LightStream Ratings & Reviews

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LightStream

(4.1 of 5) 268 Reviews

62% 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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268 Reviews

(4.1 of 5)
  • 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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  • Lender Review
    from Kansas City, MO
    (5 of 5)
    Recommended!
    Reviewed:
    Loan Type:
    Auto Loan or Auto Refinance
    Services:
    Closed loan with this lender
    Date of Service:
    September 13, 2018
    Loan Closed On:
    September 25, 2018

    A++++

    Fast process from start to end. Very competitive rate. Funds were provided on time.

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

    Great example of a company doing it right

    They were amazing. Applied at 1030PM on iPAD. Approval email at 9AM next day, wired funds to my account by 2PM. The whole process took less than 24 hours which shocked me and they even called to confirm wiring instructions and make sure everything was good. Who does that anymore? Evidently LightStream does and they crushed Customer Experience and Service. I don't think my wife and I have ever had a process this smooth and simple regarding a loan. I would HIGHLY recommend them and will try to use them for any other needs we have in the future. So happy and still in a bit of shock :) This should be the standard... Read More

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  • Lender Review
    from Atlanta, GA
    (5 of 5)
    Recommended!
    Reviewed:
    Loan Type:
    Auto Loan or Auto Refinance
    Services:
    Closed loan with this lender
    Date of Service:
    September 2, 2018
    Loan Closed On:
    September 4, 2018

    Great Experience!!!

    This Auto loan was quick and easy. Decision was almost instantly. The best of all it was all done online. I had the loan amount deposited into my personal checking account and went and found the car I wanted and was able to negotiate better with the dealership. I would definitely use LightStream again.

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  • Lender Review
    from Charleston, SC
    (5 of 5)
    Recommended!
    Reviewed:
    Loan Type:
    Auto Loan or Auto Refinance
    Services:
    Closed loan with this lender
    Date of Service:
    August 17, 2018
    Loan Closed On:
    August 27, 2018

    Easy to do loans

    This was the simplest loan process I ever encountered. I got a great rate and when I needed to modify the loan, it was simple and approved right away.

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  • Lender Review
    from Florence, KY
    (5 of 5)
    Recommended!
    Reviewed:
    Loan Type:
    Auto Loan or Auto Refinance
    Services:
    Closed loan with this lender
    Date of Service:
    August 10, 2018
    Loan Closed On:
    August 14, 2018

    Skeptic turned true believer.

    I was initially skeptical of an online only institution for my auto loan. Traditionally, I would go to my local bank, check their rate offered against whatever the car dealer would offer, and go with the best offer. So this time I decided to give it a try - and how glad I did! LightStream's offer on percentage rate was by FAR the LOWEST (the difference of about 2 and a half car payments), and my interactions with the company has been nothing but pleasant and straightforward. Everything was explained upfront, in clear easy language, and accepting the terms of their loan was as easy as pushing a button, printing out some documents to hand to the car dealer, and letting them know where to wire the monies and when I want payment taken from my account. Simple, straightforward, and pleasant. When's the last time you could say that about acquiring an automobile loan... Read More

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  • Lender Review
    from Coffeeville, MS 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 8, 2018
    Loan Closed On:
    August 10, 2018

    Quick and Convenient

    Got an auto loan through Light Stream, it was fast, quick ,convenient and thorough! Had money in my account 3 day after application. There is a credit check and must upload documents needed for loan. Would highly recommend giving LightSteam a try.

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

    Online Process was Great

    Great experience. I received the rate I was quoted on lendingtree. No fees. It took one day to finalize my application and get approval, and I had the money the next day. Couldn't be happier.

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

    LightStream loans when you need them

    Very easy to communicate with and extremely quick responses to any questions, Rote was grate for my credit score and the processing time was amazing.

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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.