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

Loan

Be prepared for anything. Decision is made based upon the credit factor you are trying to improve. Not a good experience at all. Very sorry I applied.

  • LendingTree Customer:

    Yes
  • Loan Type:

    Personal Loan
  • Review Type:

    Lender Review

Incredible Rates and Experience

Lightstream's rates are amazing. If you qualify for a loan with them this is a no brainer. They did need one extra piece of info which slowed the transaction a couple days since I missed the call but I wouldn't hesitate to borrow from them again and have sent their info to several friends who were amazed at the low APR I received. It was my first Personal Loan and it was a great experience!

  • LendingTree Customer:

    Yes
  • Loan Type:

    Personal Loan
  • Review Type:

    Lender Review

Very Easy to work with!

I expected to be denied after reading several of the other reviews. My FICO score is around 730 and I was looking for a debt consolidation loan so I can get rid of medical and credit card debt. I applied Friday night and was sent an instant email that I would hear something the next day during their business hours. The following morning the sent an email and asked me to send a copy of my pay stub then they called a few hours later to ask a quick verification question. About 15 minutes later they sent me my approval. I felt the interest rate they offered me was very fair and definitely better than my credit card. I requested the funds be deposited this Monday and picked my payment date that will start next month. A Best Egg also approved me but at a higher interest rate and additional fees that took off the loan balance.

  • 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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