LightStream Ratings & Reviews

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LightStream

(3.9 of 5) 262 Reviews

53% 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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262 Reviews

(3.9 of 5)
  • 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

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    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 Bothell, WA
    (5 of 5)
    Recommended!
    Reviewed:
    Loan Type:
    Personal Loan
    Services:
    Closed loan with this lender

    She be called LightSpeed!

    I don't usually take the time to write a review, but LightStream deserves it! What a incredibly fast and easy process! Simple online application, and the money was in my account the next day! And the rate was good, too! I will definitely use them again, and I would certainly recommend them to friends and family.

    Was this review helpful?

    Thank you for choosing LightStream for your financial needs and for taking the time to share such a wonderful review! We truly appreciate the recommendations!
  • Lender Review
    from Chapman, KS
    (5 of 5)
    Recommended!
    Reviewed:
    Loan Type:
    Personal Loan
    Services:
    Closed loan with this lender

    Great lender

    Application process was straight forward and uncomplicated. Although the rate was lower than any of my credit card rates; I was hoping for a bit lower. Overall, it's still a great deal on a debt consolidation loan. I feel like I can breathe again. Loved that I was able to select both the day to get funding and the payment due date. I have already recommended this lender to a co-worker who is also looking to consolidate debt.... Read More

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    Welcome to LightStream, Rafael. Thanks for your kind words…glad we can help! P.S. Truly appreciate the referral.
  • Lender Review
    from Ephrata, WA
    (5 of 5)
    Recommended!
    Reviewed:
    Loan Type:
    Personal Loan
    Services:
    Closed loan with this lender

    Fantastic!

    A fantastic experience! Whole process was easy and quick and they gave very competitive rates!

    Was this review helpful?

    Thank you for choosing LightStream for your financial needs and for taking the time to share such a glowing review!
  • Lender Review
    from Ridgefield, NJ
    (5 of 5)
    Recommended!
    Reviewed:
    Loan Type:
    Personal Loan
    Services:
    Closed loan with this lender

    Quick & reliable

    Very quick response and approval. Was contacted following day after email confirmation of request for loan. Submitted pay stub via phone. Loan was direct deposited into my bank account first thing in the morning. Quick, reliable and average APR percentage for my credit score. Definitely would recommend to friends and family! Thanks!

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  • 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!
  • Lender Review
    from Camas, WA
    (1 of 5)
    Reviewed:
    Loan Type:
    Auto Loan or Auto Refinance
    Services:
    None - we connected, but I didn't move forward

    Loan impossible

    You will be wasting your time with them. They say loan uncomplicated but actually its complicated. First time I applied they said they can't verify our income. Really, they couldn't even verify our income from our paystubs. I told them I have rental income & provided them leases which didn't satisfy them. I talked to them and they advised me to re-apply. They should have called me to ask questions to verify info but they didn't. Reapplied, they asked so many questions. My wife was teaching the class but I asked her to call them as they insisted to talk to her. They talked to her specifically for 15-20 mins. We answered all questions. They lady seem satisfied but still they denied us the loan. We were approved for 4% by the dealer but were shopping for better rate. I have never been denied any loan but they denied me too. I have 820 credit and six figure income. Pls. don't waste time with them... Read More

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    We apologize for your experience. Part of our review process may include requesting documents to verify the information listed on the application. If the information is not fully verified, we may not be able to move forward with a loan. If you have not yet reviewed your adverse action notice, please log in to your account on our website. If you have any questions after reviewing this document, please feel free to contact us directly
  • Lender Review
    from Corpus Christi, TX 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:
    July 5, 2016

    Stay anyway from sparkling pre-offer

    I applied through lending tree and was pre-approved. Went though the approval process with LightStream and denied. Was just approved for mortgage refinance through Lending Tree recently and have a good score according to lending tree but now I have an inquiry and no auto loan...why even pre-offer if they just deny. Awful!

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    We apologize for any confusion surrounding our process. When an application is forwarded to us by LendingTree, we do not guarantee approval as the application must be reviewed by our credit department. If you have not yet reviewed your decline notice, please sign into your account as the notice will detail the reasons as to why we were unable to move forward with a loan. If after reviewing your notice you have any additional questions, please feel free to reach out to us directly.
  • Lender Review
    from Montville, NJ Confirmed LendingTree Customer
    (5 of 5)
    Recommended!
    Reviewed:
    Loan Type:
    Auto Loan or Auto Refinance
    Services:
    Closed loan with this lender
    Date of Service:
    December 13, 2016

    Fantastic experience

    A fantastic experience. Quick online application, email within 30 minutes asking for a copy of recent pay stub and copy of drivers licence. Scanned and uploaded them, email within another 30 minutes that loan was approved at a great rate for a used vehicle we wanted to buy as a gift for our son. Funds transferred to bank account first thin me t morning as it was late in the day when I applied. Couldn't be easier. Started process at 7 PM and approve by 8 PM. Wow. Grea... Read More

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    Glad we could help with your gift. Wishing you and your family miles and miles of fun in the years ahead.
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.