Longer repayment terms can make monthly payments more affordable on expensive home projects, like a kitchen remodel, solar panel installation or swimming pool addition. NerdWallet's ratings are determined by our editorial team. 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 Overview. 5 star. 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. Prevent identity theft, protect your credit, The difference between term and whole life insurance, How medical conditions affect your life insurance rate. Enjoy reading our tips and recommendations. WalletHub: LightStream does not have sufficient user reviews to give a rating. 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. I decline their offer and am taking my business elsewhere. Get buying tips about Personal Loans delivered to your inbox. LightStream’s flexible loan terms and extremely competitive APRs make LightStream … Once your application is complete, LightStream will review your information and typically make a funding decision within a few hours. ... reviews and/or responses on this website to affirm that the information provided is accurate. Limited customer service options: Borrowers who have questions are directed to an email form on the lender’s website. Website was so simple to upload documents to, very simple process. Longer repayment terms can make monthly payments more affordable on expensive home projects, like a kitchen remodel, solar panel installation or swimming pool addition. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. Our opinions are our own. NerdWallet's ratings for personal loans award points to lenders that offer consumer-friendly features, including: soft credit checks, no fees, transparency of loan rates and terms, flexible payment options, accessible customer service, reporting of payments to credit bureaus, and financial education. SunTrust Bank has a WalletHub user rating of 3.5/5 across over 660 reviews. All financial products, shopping products and services are presented without warranty. APRs are low among lenders targeting similar borrowers. Its personal loans can be used to fund auto purchases, residential solar energy systems, home remodeling and improvements, debt consolidation and medical expenses. 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. A link has directed you to this review. LightStream allows borrowers to choose when they’re funded. 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. We believe everyone should be able to make financial decisions with confidence. It has competitive rates on loans up to $100,000, rate matching and a satisfaction guarantee on your lending experience. You must contact the company and fill out a questionnaire to receive the $100. When you throw in its easy- to-use online portal, and quick turnaround time, using LightStream comes off as a no brainer. Stay away because it seems that it simply doesn't matter what your credit is. Pre-qualified offers are not binding. J.D. After entering some personal information, you’ll be presented with loan options. They are looking to make sure nothing has been paid late for 5+ years! Original review: Oct. 1, 2020. 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. Was speaking to LightStream Sunday afternoon. We also consider the number of complaints filed with agencies like the Consumer Financial Protection Bureau. LightStream Auto Loans review: Essential details. ET. By entering your email, you agree to sign up for consumer news, tips and giveaways from ConsumerAffairs. However, this does not influence our evaluations. This company is not yet accredited. LightStream offers loans from $5,000 to $100,000 with terms ranging from 24 to 144 months. Total Visits since 1997: 9,008,617,292. 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 … You may be asked to provide supporting documentation like identification, pay stubs, proof of residence and credit scores. Several years of credit history; excellent-credit borrowers have at least five, according to LightStream. They exceeded my expectations and I would not hesitate to recommend them to others. However, the lender uses a soft credit check to pre-qualify applicants through NerdWallet. 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. LightStream consumer reviews One of the best ways to assess an offer is to read about other customers’ experiences with the lender. So how do we make money? Compare Lightstream Review to Crixeo's Best Debt Consolidation Loans. What can you use a consumer … Borrowers can apply online for a fast credit decision. Property and Casualty insurance services offered through NerdWallet Insurance Services, Inc.: Licenses, NerdWallet Compare, Inc. NMLS ID# 1617539, NMLS Consumer AccessLicenses and Disclosures, California: California Finance Lender loans arranged pursuant to Department of Financial Protection and Innovation Finance Lenders License #60DBO-74812. If you or a cosigner has good to excellent credit, LightStream … LightStream loans have low, fixed rates and are available for $5,000 to $100,000, with terms of up to 144 months. We’ll start sending you the news you need delivered straight to you. ConsumerAffairs is not a government agency. ... #1 Consumer … LightStream does not charge an origination fee, late fee or prepayment penalty fee. Offers limited customer contact channels and hours. Pre-qualification available only through partners. When evaluating offers, please review the financial institution’s Terms and Conditions. The company was organized and had a good website for facilitating document scanning and communications. 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. Loan example: A four-year, $20,000 loan with a 13.9% APR would cost $546 in monthly payments. The overall rating of the company is 1.6 and consumers are mostly dissatisfied. We value your privacy. The Better Business Bureau has given LightStream an … LightStream is not rated by the Better Business Bureau. I wanted to get my loan as quickly as possible and I communicated that to my loan agent. The main LightStream complaints voiced by consumers highlight … Some consumers are thrilled by the easy application and approval … 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. 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. You must contact the company and fill out a questionnaire to receive the $100. LightStream offers $100 back for unhappy borrowers who have had their loan for less than 30 days. LightStream auto loan cons Good credit required: LightStream … LightStream claims it will beat any rate from a competing lender by 0.1% if you were approved for the same loan terms. They plant a tree for every loan! If you aren’t satisfied with the lending experience, LightStream sends you $100 as a part of its Loan Experience Guarantee. Customer reviews reflect a number of low-star reviews with around 60 percent of its reviews recorded as one star. Does not offer direct payment to creditors with debt consolidation loans. Requires several years of credit history. LightStream’s loan application and funding process are completed online. FAQ. Advanced Search. In 2019, the Consumer Financial Protection Bureau received 25 personal loan … You’d pay $6,208 in total interest on that loan. 2 And there are no fees for a LightStream loan. LightStream ranks 144 of 871 in Loans and … Disclaimer: NerdWallet strives to keep its information accurate and up to date. Investments, retirement savings or other evidence of an ability to save money. LightStream is among the best if you’re a highly qualified borrower looking for low rates, long-term repayment, and large loan amounts. Read our editorial guidelines. Browse Categories. Company Info. Rate beat program: 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. LightStream is a division of Truist, a bank formed by the merger of SunTrust Bank and BB&T. Consumers note the lender's tough financial guidelines and an overall difficult acceptance even with an excellent credit score. Lightstream could not be any more user friendly and customer driven! Our partners cannot pay us to guarantee favorable reviews of their products or services. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. The decision was prompt, and the funding was wired to my account exactly when I had been told to expect it. SunTrust (now Truist) is a bank with a full range of online services, as well as in-store offerings in select locations nationwide. LightStream - Read unbiased reviews of LightStream, rated 5.0 out of 5 stars by 633 users They plant a tree for every loan! product. You can fill out an application on LightStream’s website. Transparency: LightStream is … Lightstream doesn't care about the consumer! Our content is intended to be used for general information purposes only. Thank you, you have successfully subscribed to our newsletter! Have good or excellent credit (690 FICO or higher) and several years of credit history. However, the lender uses a soft credit check to pre-qualify applicants through NerdWallet. Instead, borrowers have to keep track of their own repayments. Companies pay us to be accredited or when you click a link, call a number or fill a form on our site. Borrowers who have questions are directed to an email form on the lender’s website. We value your privacy. When evaluating offers, please review the financial institution’s Terms and Conditions. I would rate LightStream 5/5 for their commitment to their client, the competence displayed in their organization, and their reliability. This may influence which products we write about and where and how the product appears on a page. Copyright © 2020 Consumers Unified LLC. Click the button below to pre-qualify on NerdWallet. Instead, borrowers have to keep track of their own repayments. Strong payment history with few or no delinquencies. The contents of this site may not be republished, reprinted, rewritten or recirculated without written permission. No fees: LightStream does not charge an origination fee, late fee or prepayment penalty fee. Advanced Search. Receive personal loan offers in minutes on Personal Loan Pro. Unlike other lenders, LightStream does not send payments directly to creditors when you consolidate debts with a loan. LightStream Reputation & Consumer Reviews Like many other debt-relief options, consumer satisfaction for LightStream is a mixed bag. Be the first one to find this review helpful. Loan terms and fees may vary by state. I called Lightstream … Helps people obtain funds for major purchases, home remodeling and debt consolidation … lightstream n't... Less than 30 days from multiple lenders that partner with us, including lightstream it approves borrowers good. Parent company, Truist, a car loan or other installment loan and a.! Interest on that loan identification, pay stubs, proof of residence credit... Than what you see when you click a link, call a number or a... Email form on our site it will beat any rate from a competing lender by 0.1 % you... Guarantee: lightstream … this company is 1.6 and consumers are mostly dissatisfied application and funding process are online! Has an A+ rating straight to you review the financial institution ’ s website appears on page. 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