LightStream

4.0 of 5starsRead Reviews
Recommended 77%

4.0 of 5starsRead Reviews
Recommended 77%

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

151 Reviews Ratings & Reviews

(4.0 of 5) 151 Reviews

Interest Rates

Good
Fees & Closing Costs

Excellent
Responsiveness

Excellent
Customer Service

Excellent

Review Breakdown

5 Star

(106)
4 Star

(8)
3 Star

(2)
2 Star

(3)
1 Star

(32)

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Showing 4 star reviews | Show all reviews

(4 of 5)

Recommended

great experience

such a great experience. Communications and responses were very quick and informative. The loan terms and interest rates were considerably more flexible and much more reasonable than the other offers I had received, not to mention NO closing fees AND a DISCOUNT for using Auto-Pay.

LendingTree Customer:

Yes
Loan Type:

Personal Loan
Review Type:

Lender Review

(4 of 5)

Recommended

I was very satisfied!

The process was somewhat detailed and took some effort to get all the info. Delivery of the funds was very punctual.

Closed with Lender:

Yes
Loan Type:

Personal Loan
Review Type:

Lender Review

(4 of 5)

Recommended

Very smooth transaction.

I had a pleasant experience. very satisfactory. Onley problem was. I tried to fax my ID card it came out dark.

Closed with Lender:

Yes
Loan Type:

Personal Loan
Review Type:

Lender Review

(4 of 5)

Recommended

Good experience

Surprisingly quick and easy procedure. Nowadays (especially with insurance companies) the process can be extremely complicated and drawn out. Borrowing money from Lightstream was relatively quick and simple. Their people on the phone were a bit aloof but very professional. I suppose that's a good thing. And the money showed up right on time. Can't complain. Of course how all this plays out over the future will be the real determining factor in how I ultimately rate the company.

Closed with Lender:

Yes
Loan Type:

Personal Loan
Review Type:

Lender Review

(4 of 5)

Recommended

Was good for me !

Super easy , allowed my wife and I to fulfill our dream of buying a trike to ride cross country. I'd use them again. ....,..,......

Closed with Lender:

Yes
Loan Type:

Personal Loan
Review Type:

Lender Review

(4 of 5)

Recommended

Fast and easy

Lightstream had best rates available for me, quick and easy application, and received money in 2days.

Closed with Lender:

Yes
Loan Type:

Personal Loan
Review Type:

Lender Review

(4 of 5)

Recommended

Not bad at all

Used Lightstream directly for motorcycle and car. Both experiences were good. A little slow on gathering info and slightly higher interest rates than other sites, but overall a good experience. Paid both loans off early and the "close out" process seemed exceedingly slow to me.

LendingTree Customer:

Yes
Loan Type:

Auto Loan or Auto Refinance
Review Type:

Lender Review

(4 of 5)

Recommended

Amazing then bad customer service!

My husband and I initially applied for a $100,000 loan and it was a great experience. Application process was easy, the associates were pleasant that we spoke to and the money was funded within a few days. Since our initial experience was so easy, when we needed another loan for $35,000 we applied with Lightstream again. The application process was very easy, they actually had most of our information from the first loan already stored. The problem came when we were asked to call back to answer some questions. The associate asked why we were applying again and why we didn't just take out a HELOC since we had so much equity in our home. She said the rates would be better. Our credit scores are 820+ so rates would have been comparable with out all the fees the bank would have charged. I explained to her that the process was so simple the first time we didn't want to hassle with all the paperwork associated with a bank loan. Isn't that part of Lightstreams whole advertisment that it's so simple! Ultimately I thought she was very rude! She made me feel inferior that we were even asking for this loan.

First loan was amazing, second loan we will go elsewhere because of a very rude associate!

LightStream Response

We appreciate you considering us for your additional financial needs. We have escalated your application to the attention of a manager and they will be reaching out to you directly. If you have any additional questions or concerns, please feel free to contact us.

LendingTree Customer:

Yes
Loan Type:

Personal Loan
Review Type:

Lender Review

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LightStream

Lender Summary

What they're saying

Review Breakdown

Showing 4 star reviews | Show all reviews

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