4.2 of 5stars329 Reviews

LightStream

  • Recommended Lender
    Recommended 71%
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Lender Summary

LightStream is the nation’s premier online consumer lender, and a division of SunTrust Bank. We offer low-interest, fixed-rate loans of $5,000- $100,000 to people with good credit, and a refreshingly simple online loan process. No fees.

What they're saying

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

Review Breakdown

Showing 1 star reviews | Show all reviews

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!

  • 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

Very Disappointed. Don’t Proceed!!!!

Wow... I just applied for an auto loan through LightStream and received a notification that my application would be processed. 10 minutes later I got a notification from my credit monitoring company that LightStream had just pulled my credit. Almost instantaneously, I received an email from Lightstream that my application was denied. Seems to me after reading some of these reviews that this is a common practice. Funny that I was reading some of the reviews right when this all went down. Shame on me for not reading them before submitting my loan application. Essentially I just gave all my personal information to them for nothing. I have never had any issues financing anything in the past with my 780 credit score and a comfortable income. I also had indicated that I was putting 20% Cash down on the vehicle. I Never was asked to provide any documents nor did I even receive a phone call before I was just flat denied. Maybe my personal information is more lucrative for them than interest on an auto loan. Hopefully someone will read this before falling for the pre-approved hook. Shame on you LightStream and Lending Tree.

  • 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.

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