LightStream Ratings & Reviews

LightStream

4.1 of 5 191 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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47% of our customers would recommend this lender. (28 of 59)


Customer Reviews


  • (2) (0)

    Excellent and Super fast A++++

    Yes, I recommend this lender

    I make over 200k a year. My score is low because of the amount of credit I have. Was looking for 2 loan refinances and no other lender would listen. LightStream did. A few questions, a few documentations sent and funds were in my account the next day!! Over 40 years of loans and this was by far the simplest, most painless experience I ever had. Hats off to you guys. Excellent and fast. Thanks.

    By:   (Loveland, CO)Reviewed On:

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  • (4) (0)

    Nothing to complain about

    Yes, I recommend this lender

    Went smooth, fast and was successful. I love the fact that there is no lien on the car. A day later I told my wife to apply as well as she is in the need of a car. Same experience for her. I think It helps if you have a credit score above 800 and have 2+ times the requested amount in liquid assets that you can prove...asking for $20,000 loan - need to have $40,000+ in savings. That has been my experience anyways.

    By:   (Phoenix AZ)Reviewed On:

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  • (0) (3)

    No Personal Loans Allowed Here

    People. Do NOT waste your time here for a personal loan. If you have the best credit you will have no luck.

    By:   (Dallas Texas..GO COWBOYS!)Reviewed On:

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  • (1) (0)

    Not to high not to low

    this is probably the transition between the mid to high end rates the service its great but the rate its not that good...

    By:   (Sanford FL)Reviewed On:

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  • (10) (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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  • (5) (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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  • (5) (5)

    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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  • (13) (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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  • (5) (6)

    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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  • (8) (5)

    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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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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