LightStream

Terrible, use a credit union instead

Terrible! They require twice the paper work of my credit union, provide ZERO customer support (not even a phone number offered!!) and no way to know whether certain tax documents they request will be filed correctly with the IRS. (They request files directly from the IRS to prove your income).

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go here with good credit

Best value and monthly price I've found on a personal unsecured loan. Others will charge you an fee off the top of the loan they give you, but not these guys. I got a 15K unsecured loan and the only charges I had to pay initially was a $50 fee, Florida document fees, & a low interest rate of 4.99%. If you can get approved by them for a personal loan, it is worth it.

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Poor customer relations

The application process was not clear, and the customer/loan rep. was condescending.

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All around great exp*********.wow

I have never experienced a simpler or quicker loan process in my life. Applied and was approved within 2 days. Any delays were generally tied to how often I checked my email, Application process was all online and took 10 minutes max. Received a great rate and money was deposited in my account on the day I selected. All transactions were simple, fast, and digital. Would highly recommend to anyone who meets their acceptance criteria.

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Auto Loan - Quick and Efficient Process

I used LightStream for an auto loan and I couldn't be happier with the process. It took less than 2 hours for me to be approved for the auto loan. They funded my checking account within 24 hours and I was able to pay off my previous auto loan within 2 business days. My interest rate reduced by almost 1 and a quarter percent and I will save almost $2,500 over the course of the loan. The process was extremely fast and efficient. Their website is relatively simple and user-friendly. At the touch of a button, I can easily adjust my monthly payments and get a quick schedule of the payments until the loan has been competely paid off. That way, I can easily gauge how much interest I'd save if I were to make additional payments each month. Honestly, I can't imagine using any other loan service going forward. Please note they offer unsecured loans which means applicants are approved (or declined) solely based on their credit score and current substantiated financial position. Since it's an unsecured auto loan, the underlying item is not deemed collateral. The good thing about having an unsecured auto loan is that you, as the buyer, receive the car title immediately. Your credit score and financial position gives LightStream confidence that you will not only make monthly payments timely but also resist the temptation to put your car title down on the craps table.

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Excellent Service

I can't even believe how excellent my experience with LightStream was. I had never heard of them until I went onto Lending Tree to look for an auto loan. I received an offer from them immediately. It took about 10 mins to fill out their online application. Within an hour of submitting my application, I received a phone call where they just verified that I wanted the loan. 5 minutes later, I had a loan approval. The next day the funds were in my account. And the best part is, that I received an email the next day saying that the rates had gone down since I applied and that I was going to receive the lower rate - 1.99% on a used car! Unheard of. I will say that I have excellent credit. I would imagine if your credit is not so good, it would not be quite as easy. But I could not be happier with the process or the experience with this company. The easiest loan I have ever gotten. Highly recommend them.

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Top Rate Customer Experience

Very easy online process and competitive low interest rate; if you have good credit they will deposit the funds in a personal account allowing you the ability to negotiate the car price using cash as leverage.

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