LightStream Ratings & Reviews

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LightStream

(2 of 5) 238 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 to $100,000 to people with good credit, and a refreshingly simple online loan process. No fees. 

Customer Reviews

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238 Reviews

(2 of 5)
  • Lender Review
    from Los Angeles, CA
    (5 of 5)
    Recommended!
    Reviewed:

    Oustanding Service and Very Fast Response time

    (0) (0)
    This place is great. The online application was quick and easy. Within an hour they called to let me know I was approved. Customer service is fantastic. Low interest rate too!! I'm happy that I found LightStream. I give you guys an A++. Keep up the great work.

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    Glad we could help! Thanks for the kind words.
  • Lender Review
    from Englewood, NJ Confirmed LendingTree Customer
    (2 of 5)
    Reviewed:
    Date of Service:
    June 20, 2016

    Poor customer relations

    (0) (0)
    The application process was not clear, and the customer/loan rep. was condescending.

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    We appreciate you providing feedback on your experience and regret that you did not have the best experience with our process. We will forward your feedback to the appropriate area in order to ensure that your concerns are addressed. If you have additional questions, please contact us directly.
  • Lender Review
    from Andover, KS Confirmed LendingTree Customer
    (1 of 5)
    Reviewed:
    Date of Service:
    July 7, 2016

    Waste of Time

    (0) (0)
    Offer extended big congratulatory statement when application was submitted and was declined almost immediately complete waste of time

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  • Lender Review
    from Troy, PA Confirmed LendingTree Customer
    (5 of 5)
    Recommended!
    Reviewed:
    Date of Service:
    July 3, 2016

    So easy!

    (0) (0)
    The process was so easy! After being pushed around by my bank this was a delight and a big worry off my shoulders. A quick online application, one courteous phone call, and money when I need it. It doesn't get any better.

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  • Lender Review
    from Westwood, NJ Confirmed LendingTree Customer
    (5 of 5)
    Recommended!
    Reviewed:
    Date of Service:
    June 27, 2016

    Hands Down Best Experience Ever!!!

    (0) (0)
    Amazing experience! I reached out to LightStream because I'm buying my first boat and I can't say enough about how great this experience was. I submitted my application online on a Wednesday, got a call a few hours later that missed. Called them back in the morning the next day, answered a couple of questions they had, got an email 20 minutes later asking for me to attach my latest paystub, 20 minutes after I did that I got an email with approval. I could have had the money wired the next day if I chose. I held off because I was still negotiating with the broker on the boat. The whole process took less than 24 hours. To put it in perspective, I submitted an application with the broker to finance through his company two days before I submitted with LightStream... it's now been almost a week and I haven't heard back regarding the financing from the broker yet. I just told him to forget about it, I was going to pay cash. That helped the negotiations! I never, ever take the time to write reviews but this process was so easy, the customer service and responsiveness is by far the best I've ever had. If you're looking for a pleasant experience financing your next toy, you have to reach out to LightStream and see what they have to offer.... Read More

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  • Lender Review
    from Alpharetta, GA Confirmed LendingTree Customer
    (5 of 5)
    Recommended!
    Reviewed:
    Date of Service:
    June 8, 2016

    All around great experience...wow

    (0) (0)
    I have never experienced a simpler or quicker loan process in my life. Applied and was approved within 2 days. Any delays were generally tied to how often I checked my email, Application process was all online and took 10 minutes max. Received a great rate and money was deposited in my account on the day I selected. All transactions were simple, fast, and digital. Would highly recommend to anyone who meets their acceptance criteria... Read More

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    Thanks for the write-up. We’re glad we could help! Thank you, Suzy
  • Lender Review
    from Forest Park, IL Confirmed LendingTree Customer
    (5 of 5)
    Recommended!
    Reviewed:
    Date of Service:
    June 23, 2016

    Auto Loan - Quick and Efficient Process

    (0) (0)
    I used LightStream for an auto loan and I couldn't be happier with the process. It took less than 2 hours for me to be approved for the auto loan. They funded my checking account within 24 hours and I was able to pay off my previous auto loan within 2 business days. My interest rate reduced by almost 1 and a quarter percent and I will save almost $2,500 over the course of the loan. The process was extremely fast and efficient. Their website is relatively simple and user-friendly. At the touch of a button, I can easily adjust my monthly payments and get a quick schedule of the payments until the loan has been competely paid off. That way, I can easily gauge how much interest I'd save if I were to make additional payments each month. Honestly, I can't imagine using any other loan service going forward. Please note they offer unsecured loans which means applicants are approved (or declined) solely based on their credit score and current substantiated financial position. Since it's an unsecured auto loan, the underlying item is not deemed collateral. The good thing about having an unsecured auto loan is that you, as the buyer, receive the car title immediately. Your credit score and financial position gives LightStream confidence that you will not only make monthly payments timely but also resist the temptation to put your car title down on the craps table... Read More

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    We appreciate that you took the time to share your experience. We enjoyed serving you. Thank you, Suzy
  • Lender Review
    from Houston, TX Confirmed LendingTree Customer
    (1 of 5)
    Reviewed:
    Date of Service:
    April 2, 2016

    Loan

    (1) (0)
    Be prepared for anything. Decision is made based upon the credit factor you are trying to improve. Not a good experience at all. Very sorry I applied.

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  • Lender Review
    from Cleveland, GA Confirmed LendingTree Customer
    (5 of 5)
    Recommended!
    Reviewed:
    Date of Service:
    June 19, 2016

    Excellent Service

    (0) (0)
    I can't even believe how excellent my experience with LightStream was. I had never heard of them until I went onto Lending Tree to look for an auto loan. I received an offer from them immediately. It took about 10 mins to fill out their online application. Within an hour of submitting my application, I received a phone call where they just verified that I wanted the loan. 5 minutes later, I had a loan approval. The next day the funds were in my account. And the best part is, that I received an email the next day saying that the rates had gone down since I applied and that I was going to receive the lower rate - 1.99% on a used car! Unheard of. I will say that I have excellent credit. I would imagine if your credit is not so good, it would not be quite as easy. But I could not be happier with the process or the experience with this company. The easiest loan I have ever gotten. Highly recommend them... Read More

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  • Lender Review
    from Portland, OR
    (5 of 5)
    Recommended!
    Reviewed:

    Incredible Rates and Experience

    (1) (0)
    Lightstream's rates are amazing. If you qualify for a loan with them this is a no brainer. They did need one extra piece of info which slowed the transaction a couple days since I missed the call but I wouldn't hesitate to borrow from them again and have sent their info to several friends who were amazed at the low APR I received. It was my first Personal Loan and it was a great experience... Read More

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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 to $100,000 to people with good credit, and a refreshingly simple online loan process. No fees.