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

Review Breakdown

I don’t know

I don’t know Why didn’t approve me I think so my credit score is not bad I don’t understand why how much you can approve me

  • LendingTree Customer:

    Yes
  • Closed with Lender:

    Yes
  • Loan Type:

    Personal Loan
  • Review Type:

    Lender Review

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.

  • LendingTree Customer:

    Yes
  • Loan Type:

    Personal Loan
  • Review Type:

    Lender Review

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.

Thank you for your feedback. For an overview of some of the criteria that informs LightStream’s loan approval process, please visit the “Questions” section on LightStream’s website.
  • 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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