LightStream

Lender Summary

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.

What they're saying

Ratings & Reviews
361 Reviews
  • Interest Rates
    Good
  • Fees & Closing Costs
    Good
  • Responsiveness
    Good
  • Customer Service
    Good

Review Breakdown

The Future of Auto Loans (Fast and Easy)

This service is exactly what I hoped existed in today's modern world. I just bought my first (preowned) car and needed a loan. The dealership quoted me an APR of 12% so I decided to try to find a loan with a better rate. I saw the good reviews that LightStream had and decided to give them a try. The quote/approval process was so fast and easy and they gave me a great APR. The money appeared in my account on the day I chose (can only choose week days) and I was able to pay the dealer directly. Highly recommend!

  • LendingTree Customer:

    Yes
  • Loan Type:

    Auto Loan or Auto Refinance
  • Review Type:

    Lender Review

Surprised by ease and speed of process

I have been in the lending industry for 24-years. I was looking for an auto loan. I spent 10-15 minutes applying on my mobile device. I waited a day while I spoke to a credit union. When I clicked on complete app, I was expecting to navigate a longer more involved online process. I was very surprised to go through 3-4 navigation screens; accepting a loan agreement, putting in my banking info for funding and ACH payments, and an identity verification screen. It took

  • LendingTree Customer:

    Yes
  • Loan Type:

    Auto Loan or Auto Refinance
  • Review Type:

    Lender Review

Best Auto Loan Company

Best auto loan company by far and I've purchased many, many cars. Thanks

  • LendingTree Customer:

    Yes
  • Loan Type:

    Auto Loan or Auto Refinance
  • Review Type:

    Lender Review
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LendingTree Certification:

The LendingTree Certification Program recognizes Lenders and Loan Officers with outstanding performance on the LendingTree Network, they are committed to providing exceptional customer service and are graduates of LendingTree University.

LendingTree Certification:

  • Certified Lender
    Certified Lenders have demonstrated their organizational commitment to employee development, at least 50% of their loan professionals have been certified while also providing exemplary service to LendingTree consumers.

Loan Officer Certifications:

  • Gold Leaf
    Gold Leaf is the cornerstone of the loan officer certification program and is designed to recognize loan officers committed to their own professional development while adhering to LendingTree best practices. Gold Leaf recipients know the fundamentals of LendingTree and online lending, they are equipped with the necessary skills to be best-in-class loan professionals.
  • Certified President's Club
    President’s Club is presented to an elite group of loan officers based on success levels in several areas including adherence to LendingTree best practices, commitment to professional development and dedication to customer excellence. Recipients have also met all Gold Leaf criteria.

LightStream

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