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

Very Dissappointing

I received an email from Lending Tree telling me how many thousands of dollars I could save if I refinanced a personal loan. I was pre-qualified through several companies but Light Stream/SunTrust has the best rate. I had a 736 score through Transunion and a 750 score through Equifax and was denied the loan. Now I have to deal with this unnecessary hard inquiry and decrease in my credit scores. It should be illegal for companies to falsely pre-qualify people for loans that they have no intention of honoring.

Thank you for your feedback. LightStream makes a final credit decision based on information provided on the completed application. Decision factors include, but are not limited to, credit score, credit history, income and assets, payment history, and more. If you have not already done so, please review your decline notice, which is available online within your LightStream account and details why your loan application has been denied. The “Questions” page on the LightStream website may also provide helpful information.
  • LendingTree Customer:

    Yes
  • Loan Type:

    Personal Loan
  • Review Type:

    Lender Review

It's a trap

They pre quality you with decent numbers only to decline you after pulling credit. Score over 700 and still denied. Waste of time and a hit on my report for nothing.

Thank you for taking the time to provide your feedback. LightStream makes a final credit decision based on specific facts provided on our application. Decision factors include, but are not limited to, credit score, credit history, income and assets, payment history, and more. If you have not already done so, please refer to your decline notice, which is available online within your LightStream account and details why your loan application has been denied. There may also be helpful information on the LightStream “Questions” page on our website
  • LendingTree Customer:

    Yes
  • Loan Type:

    Personal Loan
  • Review Type:

    Lender Review

Don’t bother!

I was pre-approved for a small personal loan with a 754 credit score. Ran my credit and declined the loan. Don’t bother with this company, they’ll only ding your credit score.

Thank you for sharing your feedback, as it allows us to share important information with you and other applicants. LightStream does not offer pre-approvals, as we cannot make a decision until a completed application has been received. If you have not already done so, we ask that you please take a moment to log into your LightStream account and review your decline notice. It provides the specific reasons for the decline. If you have already reviewed this notice and have further questions, please visit the Questions tab on the LightStream website to contact our customer service team.
  • 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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