LightStream is the nation’s premier online consumer lender, and a division of SunTrust Bank. We offer a hassle-free way to borrow money with a low-interest, fixed rate loan of $5,000 to $100,000 to people with good credit. No prepayment penalties and no fees. You are not yet approved or preapproved for a loan or a specific rate. Please click “Continue” above to complete your LightStream application to see exactly what LightStream can offer you. Your loan terms, including APR, may differ based on loan purpose, amount, term length, and your credit profile. Excellent credit is required to qualify for lowest rates. Rate is quoted with AutoPay discount. AutoPay discount is only available prior to loan funding. Rates without AutoPay may be higher. Subject to credit approval. Conditions and limitations apply. Advertised rates and terms are subject to change without notice.
Disappointing experience
I have a credit score near 800, full-time employment for the past ten years, currently employed, $10k in checking and $50k in a 401(k). Yet, I got turned down for a $15k loan due to the loan officer not understanding what I was requesting the loan for. During the discussion, it was very obvious they had no clue about investing. Simply would've been better off lying like everyone else by saying I wanted the loan to pay down student debt.
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Not a good experience
I had excellent credit. I had substantial income. I didn't have much on my credit to overwhelm it. I was denied because they said I didn't have enough income but I was shy of a 6 figure income. Something just didn't add up with this company. They are biased with certain people.
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They'll Ding Your Credit
Since LightStream had given me a pre-approval for the terms I needed I figured it would be safe to continue with the lending application process and allow a hard pull on my credit. That proved to be a costly mistake. They DENIED my loan on the grounds of too many inquiries and insufficient "assets", income AND unable to verify income/assets. I provided them with recent copies of my bank statements (with half the requested loan amount in said account) per their request and my credit score is 788 per their own letter. No other requests for further verification were made on their behalf and their is nobody to contact concerning the matter. It's clear they never really wanted to write a loan at all and had ulterior motives to waste my time and bring down my score.
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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.
