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

utterly disappointed

Total waste of time, credit score above 700, over 100,000 in home equity, 163,500 in checking account, 401k (26k), 19% DTI and annual salary over 130,000 a year. Requesting mid 20k loan, 60 months term but shockingly surprised that i was denied. I was never asked to verify any of the information on the loan application only a late mortgage payment in 2014 and not forgetting to mention that I've owned the home since 2011. I've satisfied two car loans since 2001 both totaling 108 months term without ever being late and all credit cards have a zero balance. I'm fortunate to have enough liquid cash in my personal account to purchase my first dream Classic car but i didn't want to fork out that much cash at one time.

We appreciate your feedback. Please note that if our credit department is unable to move forward with an application based on their initial review, they may not request verification of the information listed on the application. If you have any further questions or concerns, please contact us directly.
  • LendingTree Customer:

    Yes
  • Loan Type:

    Auto Loan or Auto Refinance
  • Review Type:

    Lender Review

Fast

It was so easy and if you had to call customer service they were very helpful and courteous. Would recommend them to friends and relatives. I couldn't believe how fast service was.

  • LendingTree Customer:

    Yes
  • Loan Type:

    Auto Loan or Auto Refinance
  • Review Type:

    Lender Review

2012 Ram 3500 refinance

After reading the reviews , I am certainly passing on this Lightstream auto lender. Twice the paperwork ,documents etc bla bla. Ridiculous. Many people have simuliar conditions as myself. Looking to refinance my 2012 Ram 3500 quad cab Laramie 4x4 with 18k miles. Still books at over $460**.00. I only owe $20-210**.00. More than double value virus's loan ( total no brainer can't loose offer to lend however with my score at 610 and self employed ,I can just imagine the foolishness to only be rejected with such a sweet collateral investment. Guess I will continue shopping lenders. Lightstream quated me a rate of 1.9% for 48 months. Ha ha. Thanks for the reviews. Prevented another lengthy disappointment.

  • LendingTree Customer:

    Yes
  • Loan Type:

    Auto Loan or Auto Refinance
  • Review Type:

    Lender Review
×

Thank you for sharing your experience

Here are a few tips for writing a top-notch review for a company in our marketplace:

Do
Don't

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

Let's answer a few short questions and see what offers LightStream and other lenders may have for you.