LightStream

Great experience

Process was easy and quick. Called a few times with questions and they were super nice and helpful. Highly recommend

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Decent experience

Although the loan process went pretty smoothly and without any issues, the rates are a bit high, considering my credit score, but less than most others.

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Fast, easy, convenient.

Started process on a Friday night had money in my account Tuesday am. Soo simple and easy. Will definitely use again.

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Quick and easy

Loan application was quick and easy to do online- had my loan approval in just a couple of hours - full amo3of my loan was deposited the dau I set it to be deposited

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The Best Auto & Personal Loan Company Ever

I'm not going to lie, I was skeptical with all the positive reviews and had a mixed feeling when I read reviews from credit karma and on other sites. Most people got approved with great rates and how simple the process was. On the other hand, there are others that have high credit scores (even above 800 ) and still got rejected. My credit score was around 760. I have one personal loan (not with lightstream), student loans, and two auto least that one was belong to me and another was I stand as a co-signer for my ex wife (was my wife at that time).
1:I had applied for unsecured loan 4 days before, on the weekend. Monday morning came along, I got a call from lightstream verifying my indentify and making sure I was the one applying for the loan etc. 1-2 hours past by and i got an email from lightstream wanted me to log into my account to submit some documents. I logged into my account and was instructed to submitted my Driver License, which I did. within minutes, I got an email said that I was apporved for a $10,000 Personal unsecured loan, with the purpose for consolidating my debts/credit cards. I went back in my account, sign the online form, filled out the account # and routing # for loan to be ACH, and then i selected the pay date I want it to be withdraw from my acount and when I want the money to arrive in my account. I woke up the next day (8:00AM) and the money was already in my account - Amazingggg speed !.
2: 3 Days after I got my first 10K unescured loan with Loanstream, I had a called from my dealership (lexus ) asking me if I want to trade in my car since my lease was ending very soon or would I like to buy out the lease and keep the car. I proceed with the quote my Lexus dealer for my 2016 Lexus IS 200T and was presented with a buyout price. As soon as i got that quote, the only place I was thinking about applying with was Lightstream. Based on how simple and easy it was to applied for my first loan, I took a shot with theam again and applied for a Auto lease buy out, and listed the amount $27,600 I need for my car. I applied yesterday night (after 8:00PM ) and woke up in the morning around 8:00AM. I had a call from lightstream shortly after, asking me some basic questions like did I applied for the loan etc. and wasked if I had two auto lease loans with Toyota because it was showing in my record. I told the nice young lady that was so caring and nice that one of the lease was from my ex-wife that I stand as a co-signer for her and the other lease was for my car, which i'm applying to have the Auto least buy out. We closed our conversation shortly after and was promoted to waited for the approval via email. About 9:30AM, I got an email asking me to logged into my account to provides some documents. Once again, I logged back in, submitted my paycheck & my bank statement (since I had put in the loan that I had more than $25K available). Once all the documents are submitted (around 12:05PM), I got the approved email around 2:05PM and proceed with my fundind process (entered your account & routing number The day you wanted to be funded (i picked the next day (you can chooose any dates on the calendar that is marked open) the date you want the monthly payment to take from your bank account your E-Signature and submit. Im pretty sure tomorrow morning the money will be in my bank and I'll take that money to buy out my lease.
In summary, My credit score wasn't the top tier nor was my credit report. I've been shopping around from the past to present (banks, credit unions, upstart, propser etc) and let me tell you, most of them will either denied you, ask you to provide them with tons of documents and then slap you with a high APR on top of that. In contrast, with lightstream, the process of applying for the loan was so simple that you dont need to leave your home and can even apply for it with your smart phone, tablet, computer etc... The best part I love about lighstream is the elimination of all those uncessary calls from the lenders that just make the process slower and wasting time. From the start to the end, the only time you'll need to be in touch with another human is the verification process (to make sure that you're the one applying for the loan. Up until now, i'm not sure what could have caused other people to be denied with their applications even though some claimed to have a credit score well over 800. If I could take a wild guest, maybe I have a little bit of everything. Credit cards (22% Credit Ultilzation), 1 personal loan for $6K that i'm still paying, and a decent paying job ($96K/Year-might not be the one factor that give it a green light), and liquidated assets ($28K in my bank account). I I had recommeded my family and even co-workers to Lightstream and once again , thank you lightstream for making the lending process easy and painless.

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It was an easy, good experience

The entire process was easy, we had a phone call verification of info and the customer service professionals were helpful and efficient.

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The Process was very Simple

Our loan experience was simple and quick. They got our loan to us in two day*.we are very happy and would Recommend them to anyone who wants to get a loan.

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