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
346 Reviews
  • Interest Rates
    Good
  • Fees & Closing Costs
    Good
  • Responsiveness
    Good
  • Customer Service
    Good

Review Breakdown

Seamless experience

I took out many loans in the past, and i have to say, this was so seamless, that i will be a customer for life.

  • Closed with Lender:

    Yes
  • Loan Type:

    Auto Loan
  • Review Type:

    Lender Review

Don’t waste your time

Once again, as other reviews state, they pre qualify you only to deny the loan after you agree to a hard credit check. Should have known. Go somewhere else!

Thank you for taking the time to share your experience. If you have not already done so, we ask that you take a moment to log into your LightStream account and review your decline notice, as it will list the specific reasons for your decline. If you have already reviewed this notice and have further questions, please visit the Questions tab on the LightStream website to submit a contact form directly to our customer service team.
  • Loan Type:

    Auto Loan
  • Review Type:

    Lender Review

Fraudulent

Got denied almost instantaneously. When I reviewed the denial letter it was filled with false information. Contacted the the credit company mentioned in the report and none of that information showed up on the report on their end. Seems like they were eager to run my credit and provide a false result on fabricated information. 100% Would not recommend.

  • Loan Type:

    Auto Loan
  • Review Type:

    Lender Review
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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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