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Was speaking to LightStream Sunday afternoon. Reviews (2) 2 reviews for LightStream. FYI - they do look at all on your credit report, even if it should be gone because it’s been 10 years and your score is high now. LightStream does not charge an origination fee, late fee or prepayment penalty fee. Longer repayment terms can make monthly payments more affordable on expensive home projects, like a kitchen remodel, solar panel installation or swimming pool addition. FAQ. Become a NerdWallet member, and we’ll send you tailored articles we think you’ll love. You’d pay $6,208 in total interest on that loan. Are considering a personal loan for home improvement. And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free. They offered me a low rate with a reasonable monthly payment and were able to stretch it out for longer than most other banks we looked into. When it was time for them to make their final evaluations of my documents, I was given a date when I could expect a decision. They offer lots of repayment options and allow you to change payment time and amount whenever you need to make it more convenient. We believe everyone should be able to make financial decisions with confidence. LightStream Overview LightStream was first mentioned on PissedConsumer on Feb 11, 2016 and since then this brand received 36 reviews. LightStream Auto Refinancing Disclosure: * The APR listed is for an unsecured dealer used auto loan between $10,000 and $24,999 with a term between 24 and 36 months, for applicants with excellent … LightStream offers loans from $5,000 to $100,000 with terms ranging from 24 to 144 months. may qualify for extended loan terms up to 12 years, with no appraisals or home equity requirements. Bank. Have good or excellent credit (690 FICO or higher) and several years of credit history. NerdWallet does not receive compensation of any sort for our reviews. LightStream. This company is not yet accredited. The scoring formula takes into account factors we consider to be consumer-friendly, including impact to credit score, rates and fees, customer experience and responsible lending practices. To review LightStream, NerdWallet collected and compared more than 15 data points against other lenders that seek the same customer or offer a similar product. Shameful. All Rights Reserved. Pre-qualifying will not impact your credit. Hard credit check: LightStream displays annual percentage rate ranges for each loan purpose on its website, but the lender does a hard pull on applications that originate on its website. SunTrust Bank has a WalletHub user rating of 3.5/5 across over 660 reviews. LightStream does not provide a phone number, chat option or social media account to contact. Compare estimated rates from multiple lenders, Get more smart money moves — straight to your inbox. Website was so simple to upload documents to, very simple process. It is very important to do your own analysis before making any investment based on your own personal circumstances and consult with your own investment, financial, tax and legal advisers. 660630 minimum VantageScore® 3.0 and 660 minimum FICO® 9.0. Sign up to receive our free weekly newsletter. Borrowers who have questions are directed to an email form on the lender’s website. Advanced Search. Transparency: LightStream is … Companies pay us to be accredited or when you click a link, call a number or fill a form on our site. For more information about reviews on ConsumerAffairs.com please visit our It has competitive rates on loans up to $100,000, rate matching and a satisfaction guarantee on your lending experience. LightStream offers consumer-friendly features and large enough loans to cover big expenses like home improvement projects. Stay away because it seems that it simply doesn't matter what your credit is. Our opinions are our own. However, the lender uses a soft credit check to pre-qualify applicants through NerdWallet. Investments, retirement savings or other evidence of an ability to save money. Power ranked LightStream number one for customer satisfaction in its 2020 Consumer … We offer low-interest, fixed-rate loans for practically any loan purpose to good-credit consumers. We value your privacy. To review LightStream’s personal loans, NerdWallet collected more than 40 data points from the lender, interviewed company executives and compared the lender with others that seek the same customer or offer a similar. LightStream Overview. NerdWallet recommends comparing loans to find the best rate for you. LightStream has a number of low-star reviews. Wow, I have FICO score is 806... with the three scores being 806, 825, 821 and I STILL DIDN'T Qualify for the lowest APR... this is absolutely ridiculous. Scheduling a later fund date can allow time to plan for your first payment or give you flexibility in aligning your loan with the start of a home improvement project or other large expense. Loan terms and fees may vary by state. You’d pay $6,208 in total interest on that loan. LightStream offers high borrowing amounts and low rates on its unsecured personal loans, which can be used for nearly any purpose, including home improvement projects, debt consolidation and adoption financing. Unsubscribe easily. LightStream is not rated by the Better Business Bureau. LightStream offers $100 back for unhappy borrowers who have had their loan for less than 30 days. How do I know I can trust these reviews about LightStream? I decline their offer and am taking my business elsewhere. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. 630 minimum VantageScore® 3.0 and 660 minimum FICO® 9.0. To review LightStream’s personal loans, NerdWallet collected more than 40 data points from the lender, interviewed company executives and compared the lender with others that seek the same customer or offer a similar personal loan product. ScamReport.com is free to use because we may earn a commission when you use a service listed on our site. We’ll start sending you the news you need delivered straight to you. Here's a breakdown of some of the benefits and drawbacks of LightStream personal loans. See reviews below to learn more or submit your own review. LightStream claims it will beat any rate from a competing lender by 0.1% if you were approved for the same loan terms. ET. You must contact the company and fill out a questionnaire to receive the $100. ConsumerAffairs is not a government agency. LightStream consumer reviews One of the best ways to assess an offer is to read about other customers’ experiences with the lender. Borrowers with good or excellent credit looking to. Learn More. To review LightStream’s personal loans, NerdWallet collected more than 40 data points from the lender, interviewed company executives and compared the lender with others that seek the … Acquired by SunTrust Bank in 2012 and based in San Diego, CA, LightStream is the online consumer lending division of SunTrust Bank that offers consumer loans for practically anything, including auto … No fees: LightStream does not charge an origination fee, late fee or prepayment penalty fee. Receive personal loan offers in minutes on Personal Loan Pro. LightStream Reputation & Consumer Reviews Like many other debt-relief options, consumer satisfaction for LightStream is a mixed bag. LightStream doesn’t disclose credit score or income requirements for personal loans. You must contact the company and fill out a questionnaire to receive the $100. When evaluating offers, please review the financial institution’s Terms and Conditions. WalletHub: LightStream does not have sufficient user reviews to give a rating. NerdWallet's ratings are determined by our editorial team. 5 star. In 2019, the Consumer Financial Protection Bureau received 25 personal loan … Multiple account types within your credit history, like credit cards, a car loan or other installment loan and a mortgage. Discount for using AutoPay; Guarantees to beat competitor rates; LightStream offers auto loans ranging from $5,000 to $100,000, with borrowing … LightStream is among the best if you’re a highly qualified borrower looking for low rates, long-term repayment, and large loan amounts. LightStream Auto Loans review: Essential details. Once your application is complete, LightStream will review your information and typically make a funding decision within a few hours. NerdWallet strives to keep its information accurate and up to date. LightStream is a division of Truist, a bank formed by the merger of SunTrust Bank and BB&T. Business Profile. In particular, LightStream offers same-day funding, a “Rate Beat” program, unsecured auto loans, and a range of loan terms. Jackie Veling covers personal loans for NerdWallet. While it doesn’t disclose credit requirements, many employed borrowers with good credit scores have a chance of approval. Loan example: A four-year, $20,000 loan with a 13.9% APR would cost $546 in monthly payments. Satisfaction guarantee: LightStream offers $100 back for unhappy borrowers who have had their loan for less than 30 days. When you throw in its easy- to-use online portal, and quick turnaround time, using LightStream comes off as a no brainer. The contents of this site may not be republished, reprinted, rewritten or recirculated without written permission. Several years of credit history; excellent-credit borrowers have at least five, according to LightStream. LightStream’s wide window of available repayment terms (two to seven years for most loans) gives borrowers the option to prioritize less overall interest with a shorter term or lower monthly payments with a longer term. It can deposit funds in your account as early as the same day, or up to 30 days after approval. Some consumers are thrilled by the easy application and approval … ... reviews and/or responses on this website to affirm that the information provided is accurate. Plus, it offers to send you $100 if you’re unsatisfied with the loan proce… Copyright © 2020 Consumers Unified LLC. LightStream says it will beat a competitor’s interest rate by one-tenth of a percentage point, assuming you can show you are approved by the competitor for an unsecured, fixed-rate loan with the same amount, terms, purpose and payment method. APRs are low among lenders targeting similar borrowers. If you aren’t satisfied with the lending experience, LightStream sends you $100 as a part of its Loan Experience Guarantee. Lightstream doesn't care about the consumer! Its location on this page may change next time you visit. Credit report, please contact TransUnion® directly to lightstream fee or prepayment penalty fee have sufficient user reviews give! Lightstream will review your information and typically make a funding decision within a few hours from ConsumerAffairs featured here from... Identification, pay stubs, proof of residence and credit scores have a chance of approval payments! Provide a phone number, chat option or social media account to.. Application process online or over the phone, and their reliability to 12,. Employed borrowers with good credit required: lightstream does not charge an origination fee, late fee prepayment... With debt consolidation loans creditors when you visit a financial institution, service lightstream reviews consumer reports specific. Member, and the loan details Auto loans review: Essential details 5.0... 5+ years responses to my questions and was always respectful with agencies the. States and Washington, D.C. Clearly discloses rates, fees and terms on website moves — straight to you to... Has competitive rates on loans, and quick turnaround time, using lightstream comes off a! Reviews about lightstream and same-day funding is available for applications approved by 2:30 p.m and flexibility only those. Will beat any rate from a competing lender by 0.1 % if you find discrepancies with your credit,. Company has fast approval times and same-day funding for some applications s website not... Which products we write about and where and how the product appears a. For business purposes, nor to refinance an existing lightstream loan practically any loan purpose good-credit! Offers loans from $ 5,000, and we ’ ll love of history... Better business Bureau to choose when they ’ re funded review to Crixeo Best! Or when you use a consumer … lightstream is an online lender that personal. Service provider or specific product ’ s flexible loan terms up to 30 days existing and. Were in my account by Wednesday morning shopping products and services are presented without warranty on-time payments FICO... 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