LightStream Ratings & Reviews

LightStream

(4 of 5) 216 Reviews

51% of our customers would recommend this lender.

About LightStream

LightStream is the national online consumer lending division of SunTrust Bank, the flagship subsidiary of SunTrust Banks Inc., one of the nation’s leading financial services companies.  LightStream delivers a revolutionary loan experience...

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Customer Reviews

216 Reviews

(4 of 5)
Review Breakdown
  • (142)
  • (24)
  • (4)
  • (0)
  • (45)
  • 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

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    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

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  • 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

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    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

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  • 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.

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  • from Durham, NC
    (5 of 5)
    Recommended!
    Reviewed:

    Speedy Experience

    (1) (0)
    I submitted my application (used auto loan) for 20k for a term of 24 months and approved for 1.99% the same day less than 3 hours later. My credit score (as told to me by LightStream) was 755. They called to ask some brief questions about my current employment (which I have only been here 4 months), current paystub, and a copy of my liquid assets that totaled to a little more than 65k (with 401k and Roth IRA balances). Very easy process and the funds were in my account 2 days later... Read More

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

    Easy and great rates.

    (1) (0)
    Easiest process ever! Submitted application, received a call requesting pay stub to verify income and was approved within 2 hours of applying. Got an amazing rate on a new car purchase and couldn't recommend them enough. I do have great credit and above 100K/year income and I'm sure that played a role in the approval.

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  • from San Diego, CA Confirmed LendingTree Customer
    (5 of 5)
    Recommended!
    Reviewed:
    Date of Service:
    November 8, 2015

    Easy Breezy

    (0) (0)
    REALLY? Its THAT EASY?!! Its about time I get rewarded for doin what I'm supposed to: Pay my BILLS!

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  • from Wheeling, WV Confirmed LendingTree Customer
    (1 of 5)
    Reviewed:
    Date of Service:
    September 30, 2015

    My score is 769 and I was turned down!

    (3) (0)
    They turned me down for a used car loan. My credit score is 769. My income is sufficient. Never had a late bill. They are too picky. Don't even bother!

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  • from Kailua, HI Confirmed LendingTree Customer
    (1 of 5)
    Reviewed:
    Date of Service:
    September 17, 2015

    Horrible customer service, actually NONE

    (1) (0)
    I don't understand why I was offered a loan on your website and now that I've put in the complete application with LightStream, I am denied. I was unable to talk to anyone about my application prior to or now that I've been denied. Horrible customer service.

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LightStream is the national online consumer lending division of SunTrust Bank, the flagship subsidiary of SunTrust Banks Inc., one of the nation’s leading financial services companies.  LightStream delivers a revolutionary loan experience that allows customers to focus on their purchase, rather than on their financing. With our innovative lending products and proprietary technology, consumers with strong credit profiles can receive highly competitive, fixed rate financing via an easy, fast and entirely paperless loan process.