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

Fast and Easy

I had no problems. I was approved for the loan. I accepted it on a Saturday with funding to occur on Monday. On Monday, they called and said they could deposit my money in the account I requested (an investment account) but they would need more information. They suggested it would just be easier if I used a different bank (a checking account). I went online and changed accounts and the money appeared shortly thereafter.

I was very happy with the process.

  • LendingTree Customer:

    Yes

PATHETIC

Keep away from them and don't waste your time. They are slow at responding and very unprofessional. I had to call them to find out what was happening with my application, and while speaking to a man there I could hear constant background noise like he was at a party. He was distracted and kept forgetting what his questions were. Then after three days they denied me a loan, which was strange since I have excellent credit.

  • LendingTree Customer:

    Yes

Poor lending practice

Once you get approved, they ask you all the routine questions and tell you you will have an answer in half an hour. So this online approval does not mean anything. I have 784 FICO score. Never been late. Don't waist your time applying. I've got an approval elsewhere without a question.

  • LendingTree Customer:

    Yes
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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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