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

Showing 1 star reviews | Show all reviews

did not do as promised

It was advertised that they won't pull my credit until the moment we are ready to sign loan docs, but they pull credit immediately. Terrible experience. They did not do what they promised.

  • Loan Type:

    Personal Loan
  • Review Type:

    Lender Review

Waste Of Precious Time

This company showed on Credit Karma, that I had an outstanding chance for approval. I went through the process thinking I had a good chance to get approved because my credit score was 758, my income is secure and my credit history is great. They denied me with a whole list of reasons why. And not one of them was accurate! Don’t waste the hit to your credit score with this company. I went to Wells Fargo and was approved within 15 minutes! $15,000 For a unsecured home improvement loan with five years to pay. Take that LightStream!!!

  • Loan Type:

    Personal Loan
  • Review Type:

    Lender Review

Stunned and disappointed

Applied for a loan for a pool. We had a couple of other loan approvals from competitors but LightStream had a one point lower rate. My credit score is 835, the wife’s is 785. We have solid long term federal jobs with income over $210k per year, own a home, no credit card or revolving debt other than two almost paid off cars. Our loan request was denied and there was no one to talk to…no phone number…only an email which I’m sure no one would actually read. I finally found a number and they said we had to talk to the parent company, Truest who had me on hold for over an hour only to tell me that I needed to call LightStream and ask for a supervisor. Uhhhh….no! I don’t have that kind of time to waste because of second rate service. Save your time and credit score. Go somewhere else for your loan. It makes no sense and we wasted a hard credit check. I will never ever attempt to use Truist or LightStream again. If we don’t qualify for a loan then who does. There is something wrong with their model and algorithms.

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  • 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.

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