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

Showing 1 star reviews | Show all reviews

Bad Experience

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!

  • Loan Type:

    Auto Loan
  • Review Type:

    Lender Review

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

  • Loan Type:

    Auto Loan
  • Review Type:

    Lender Review

Ridiculous

Excellent credit, insulting interest rate like i was born yesterday. Try again guys you might get lucky.

  • 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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