LightStream Ratings & Reviews

LightStream

4.1 of 5 188 Reviews


Who is LightStream?

LightStream is an online consumer lending division of SunTrust Bank, a Georgia banking corporation. SunTrust purchased the business assets of FirstAgain LLC in June 2012 and relaunched the business as LightStream in March 2013. LightStream offers the...

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46% of our customers would recommend this lender. (26 of 56)


Customer Reviews


  • (5) (4)

    Complete waste of time

    In applying for about 60K for a new car, I said my liquid asset is about 50K with an income of over 200K / year. LightStream required me to prove all information was true. I sent them screenshots of my internet bank accounts. They said the screenshots were not enough because the summary pages did not have my name. Then I sent them bank statements. And they denied the application. LightStream obviously did not need me to prove anything. My credit union gave me a great rate, and they did not even ask me for anything other than the usual stuffs (mostly SSN, amount of loan, purpose of loan, etc.) Moreover, LightStream could have denied, or conditionally approved the loan on its own, had they really wanted to. I mean, they could have easily demanded the proofs at the end. It is a complete waste of time to follow up with LightStream. I have no other information to rate "Rate", "Fees & Closing Costs" so I gave it "Average".

    By:   (California)Reviewed On:

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  • (3) (0)

    Amazing speed to a decision

    Yes, I recommend this lender

    Wow - $15K car loan decision in 1 hour, funds transferred in 1 day, amazing speed. Even better - don't have to list a finance company on the title at the DMV which simplifies this even more. I'm a believer.

    By:   (Cleveland, OH)Reviewed On:

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  • (2) (4)

    waste

    Dont even bother with this. I was matched with this company with a 730 credit score and asking for a 15k loan. Do yourself a favor and dont waste your time.

    By:   (ohio)Reviewed On:

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  • (10) (11)

    Waste of time

    With a credit score of 792 and an income of over 100k I was denied a personal loan for 30k! What a waste of time!

    By:   (Ma.)Reviewed On:

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  • (4) (5)

    What a bad company!

    Poor conception of a good customer unless it benefits their type of customer.

    By:   (Florida)Reviewed On:

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  • (6) (4)

    be cautious

    customer service is very bad and they will 100% deny your application even if you have good credit and always pay on time and everything else . Do not apply to them, you are better off going to bigger better banks who actually have someone you can talk to! they can not even afford to have a phone number!

    By:   (baltimore)Reviewed On:

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  • (5) (5)

    Big ? mark about this lender

    I'm not sure what to think about this lender. I was turned down for a $25,000 auto loan,have a 723 credit score and ony two credit cards,one is a gas card and the balance is paid in full each month. In my opinion they only want a certain kind of customer and most people don't qualify.Don't waste your time,there's better lenders out there.

    By:   (Arvada,CO)Reviewed On:

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  • (4) (2)

    Great Service

    Yes, I recommend this lender

    Unbelievable service, started loan process on a Friday funds in bank on following Tuesday with on one question they had on phone and one paper to give them. Keep up the good service I will be back in the future for further needs.

    By:   (Webster,Wi)Reviewed On:

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  • (3) (5)

    Waste Of Time

    It's A Waste of Time!!! I Have Excellent Credit But I've Been Turned Down. it's totally a waste

    By:   (CA)Reviewed On:

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  • (5) (3)

    Great option for people with good credit

    Yes, I recommend this lender

    These guys were great. By far the most competitive rate. The process was relatively quick and smooth. I had a few questions that went unanswered by their customer service department but overall it was a great product for a used car loan for someone with an 800 credit score.

    By:   (Overland Park, KS)Reviewed On:

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LightStream is an online consumer lending division of SunTrust Bank, a Georgia banking corporation. SunTrust purchased the business assets of FirstAgain LLC in June 2012 and relaunched the business as LightStream in March 2013. LightStream offers the revolutionary AnythingLoan, an unsecured and virtually paperless personal loan with highly competitive rates, for people with excellent and substantial credit.
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