4.1 of 5starsRead Reviews
LightStream is the nation’s premier online consumer lender, offering low-interest, fixed-rate loans to borrowers with good credit. Our loan amounts range from $5,000 - $100,000, and we take pride in providing a simple online process with zero fees. With LightStream, you’re in control – you can walk into the dealership as a cash buyer, or fund that classic car you’ve been dreaming about.
Bait and switch - The "offer" is not real
I received and "offer" at 2.49 APR. I then selected it answered the questions as before and when I was done the offer changed to 4.19 APR. It appears to me to be just a gamic to get your personal financial information. My FICO is always 800 to 849 so there is no reason I should not have received the best rate as originally offered.
misleading and potentially fraudulent practices
They 'match you' with a loan, but hide in the fine print that it's not guaranteed, showing the 'lowest possible' APRs, then baiting you to apply for their loan, only to decline someone with Good credit. I'm going to file a complaint with the BBB, I highly suggest if your in a similar situation, you do the same. Maybe enough people can come together to file a class-action to teach them a lesson!
Quick and Easy Process
My husband and I were very pleased with how quick and easy the process was. Before we knew it, we received and email and verify our income and soon came the approval.
Closed with Lender: