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 refreshingly simple online process with zero fees. LightStream can help you quickly take control of your finances and fund practically anything - from debt consolidation to a home renovation.

What they're saying

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

Review Breakdown

Read the fine print!

I submitted information for the pre-approval process and received a pre-qualified offer with a rate of 6.99% on the LendingTree website. When I clicked the “Continue” button and it redirected me to the LightStream website, the lowest available rate before I typed anything was 8.99%. It looked a bit shady, so I aborted the process. I’m sure I’ll still receive hundreds of emails and regular mail with offers for the next several months though....

Thank you for taking the opportunity to share your feedback. LightStream’s rates vary depending on loan purpose, term, amount, and credit profile. Based on the information provided, the 6.99% APR shown was for a 36-month term, while the 8.99% APR was for a 48-month term. If you have questions, or would like to discuss further with our customer service team, please contact us directly.
  • LendingTree Customer:

    Yes
  • Loan Type:

    Personal Loan
  • Review Type:

    Lender Review

It was ok

The process was pretty easy but I would have liked to have spoke with an actual person. I got my loan and am happy with it mostly.

  • Closed with Lender:

    Yes
  • Loan Type:

    Auto Loan
  • Review Type:

    Lender Review

More harm than good

The offers presented by Lending Tree are very different than the offers eventually made by LightStream as a lender. I feel that my personal information has been collected and shared as a product, rather than an actual service being provided to me by this lender. Ultimately more harm to my credit was done than good due to the application process with LightStream.

  • LendingTree Customer:

    Yes
  • Loan Type:

    Personal 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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