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
  • Fees & Closing Costs
  • Responsiveness
  • Customer Service

Review Breakdown

No Personal Loans Allowed Here

People. Do NOT waste your time here for a personal loan. If you have the best credit you will have no luck.

  • LendingTree Customer:


Not to high not to low

this is probably the transition between the mid to high end rates the service its great but the rate its not that good...

  • LendingTree Customer:


Complete waste of time

In applying for about 60K for a new car, I said my liquid asset is about 50K with an income of over 200K / year. LightStream required me to prove all information was true. I sent them screenshots of my internet bank accounts. They said the screenshots were not enough because the summary pages did not have my name. Then I sent them bank statements. And they denied the application.

LightStream obviously did not need me to prove anything. My credit union gave me a great rate, and they did not even ask me for anything other than the usual stuffs (mostly SSN, amount of loan, purpose of loan, etc.) Moreover, LightStream could have denied, or conditionally approved the loan on its own, had they really wanted to. I mean, they could have easily demanded the proofs at the end.

It is a complete waste of time to follow up with LightStream.

I have no other information to rate "Rate", "Fees & Closing Costs" so I gave it "Average".

  • LendingTree Customer:


Thank you for sharing your experience

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


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.


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