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

Very simple process

I applied for a personal loan on Monday. I was approved on Tuesday. The money was in my account on Friday morning per my request. Incredibly easy, quick, and I didn’t even have to leave my home. I highly recommend!!!

  • Closed with Lender:

    Yes
  • Loan Type:

    Auto Loan
  • Review Type:

    Lender Review

So easy I had to make sure it wasn't fake....

I took out an unsecured loan on a vehicle I was buying from a small dealership. My bank wouldn't work with me on short notice, and the local federal credit union required a lot of paperwork. This fit my need perfectly and was funded in < 24 hours. It was amazing. To boot -- APR was lower than any of the banks / credit unions offered me initially. Huge win.
Would definitely recommend. They also set up auto-draft so it's a no brainer.

  • Closed with Lender:

    Yes
  • Loan Type:

    Auto Loan
  • Review Type:

    Lender Review

If I could give zero stars.

Application process was simple after their “offer”. Shortly after submitting, denied. Why even give an offer and then deny? Such a waste of my time and theirs.

  • LendingTree Customer:

    Yes
  • 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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