4.1 of 5starsRead Reviews
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.
I want to say that lightstream finally came through for me. I had to improve my credit in order to get the better rates the company offers. I transfered a personal loan that was 3 percent higher and consolidated my credit cards. Very good apr for the amount and time. I saved money and kept the same length of time left to time from the previous personal loan. Thank you Lightstream.
Closed with Lender:
I have a credit score of over 750. I have done everything right for years (kept my ratio of debt to available credit way down, paid on time/every time, increased my available credit without increasing my debt, not opening too many accounts).*.none of that matters to this com******.they just want your info...I suspect they sell it. Immediately after they checked my credit (I have identity theft protection and get real time alerts) other lenders began doing hard inquires as well. How did those lenders get my info??? That immediately starts dropping your credit score. It's one thing if they approve you - but to do that and then deny you!! It's very shady. Folks, read the reviews and apply at your own risk. I am not rich, but have a steady income, and I have a cushion in the bank. Credit-wise I have done everything perfectly for years. I would not have applied for a loan if I thought they were going to deny it!
Should have read reviews first
'Pre-Approved', and then they damage my credit with a hard check only to deny. University professor with good income. Ridiculous, but have similar experiences with Lending Tree so now is the definitive 'never ever use Lending Tree again'. So annoying