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

Review Breakdown

Great rates and fast response on finance rates!

Great rates and fast response on finance rates. I used LightStream to purchase a used sports car. They were able to provide better rates than other lenders and I knew the terms of the loan in time to support the purchase of the vehicle.

Their rates were better than what could be offered at the used car dealership!

  • LendingTree Customer:

    Yes
  • Loan Type:

    Auto Loan or Auto Refinance
  • Review Type:

    Lender Review

Seamless

This was an amazingly easy and seamless process. No complications, the loan was approved online and the money wired to my bank account about a week before I needed it.

  • LendingTree Customer:

    Yes
  • Loan Type:

    Auto Loan or Auto Refinance
  • Review Type:

    Lender Review

Do not waste your time

Lending tree gave "preapproval" auto loan rates from LightStream at 4.79% for 6 years. Applied and got denied. Saying lack of recent installment loan information, no recent revolving balances and a few others.
But yet I just paid off a 6 year auto loan in March 2018, have a personal loan currently, have had both in the past as well, own my home and have all my credit cards paid off the end of each cycle. What more do they want?
Oh and the dealer got it financed with no issue.

  • LendingTree Customer:

    Yes
  • Loan Type:

    Auto Loan or Auto Refinance
  • 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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