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

Review Breakdown

Excellent online loan service!

I absolutely loved this website and their service. I have never used online loan services before. My previous car loan from the bank was for 6% with excellent credit score. Dealing with Light Stream has been a pleasant surprise and breeze to go through. I had to speak with a representative twice with couple of questions. They have been so nice. I absolutely loved their customer service! Then my loan was approved so quickly with the 2.69% APR (didn't even hope for such a low interest). Got everything signed and submitted without leaving my home. I think this is as good as it gets. Thank you guys!

Thank you for choosing LightStream for your financial needs and for taking the time to share such a wonderful review. Offering excellent customer service is our goal and we aim to provide a meaningful experience for every customer.
  • LendingTree Customer:

    Yes
  • Loan Type:

    Auto Loan or Auto Refinance
  • Review Type:

    Lender Review

Good credit score No loan

This place sent email making me think that the loan request would be approved. Then by the next morning got denial. I understand the words they emailed for denial. I don't understand the logic. I have a good credit score and a good income. I have worked on getting it there for a couple years. Now to find out that is not as important as they lead you to believe is so disappointing.

  • LendingTree Customer:

    Yes
  • Loan Type:

    Auto Loan or Auto Refinance
  • Review Type:

    Lender Review

Good experience here!

Take the negative reviews with a grain of salt. I had an excellent experience with Lightstream. At 7pm I started the loan process and was getting a request for documentation (a pay stub, that was it) within 20 minutes. By 9am the next morning I received a call that they were working on it, answered a couple of questions and had an approval within an hour. I have excellent credit, but not perfect, and I was offered the lowest advertised rat***.which was significantly lower than anything else I saw.

Thanks for taking the time to post a review. Glad we could help!
  • 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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