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

Great Experience!

I had a great experience with LightStream. I got a super low rate of 3.69% for an auto loan. They had a response to me within about an hour, and funded my bank account the following Monday, as that was the date I requested. Everything was very simple and straight forward. I do have an 800+ credit score so that's why everything went so smoothly I'm sure. I see some bad reviews for LightStream on here, but I'd bet it's by people who got turned down due to bad credit. They really do require above average credit score, but if you have that you'll be fine. I'd highly recommend them and I'll use them again.

  • LendingTree Customer:

    Yes
  • Loan Type:

    Auto Loan or Auto Refinance
  • Review Type:

    Lender Review

Good experience with one caveat

Great exp*********.easy and fast. I would prefer having the ability to speak to someone live though. That is my only quibble.

  • LendingTree Customer:

    Yes
  • Loan Type:

    Personal Loan
  • Review Type:

    Lender Review

Bait and switch

Was quoted one rate and offered a radically different one after applying

  • 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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