LightStream Reviews

I am grateful for the feedback and comments I've read here. Thankfully I did not complete the loan application process which was incredibly sketchy anyway. What reputable company would ask or want you to verify your identity by going to Wal-Mart and purchasing a gift card? It's bullshit is what it is. SCAM SCAM SCAM!

Helped father apply for a personal loan, with great credit and has worked for 48 years at the same job. The issue was not the end result, but rather the way he was berated on the phone by loan agent. The loan agent basically was challenging him on a debt that had already been paid off and he was challenging him on inconsequential things. Dealing with seniors I find this sort of behavior unconscionable. I am also the family attorney, which is why I make sure I monitor what my family experiences. Needless to say I would never recommend LightStream/Truist Bank to anyone I know.

In short, only an Xbox off affirm is the only debt. Wife pays our rent and we live absolutely free. Now, I wanted to purchase a second-hand vehicle. 84 months, about $650 a month until our retirement kicks in from the Federal Government. My VA disability alone takes care of the car payment. Yet, I was denied. I thought the object is to be diligent and honorable with your debts. Even with COVID, six different times home care. We still paid off all our debts. You know when you pay off your car loan, your FICO drops 50 points. The game is to keep people in debt. If you don't want honest persons. Don't advertise. Then again, this Jesus saying it's not time right now.

I have used LightStream in the past. I also use Truist bank for the mortgage of my home. BUT Lightstream customer service is TERRIBLE. Expect to get ghosted most of the time. If anything falls out of the realm of their ‘automated approval’ system you can forget it.

I paid Lightstream a car payment on 3/14/2025, Lightstream went in and took another pay the next day for the same amount of money and have refused to return the money to my account, The dishonest unprofessional Lightstream states they can only take money out of my account but can't put money back, they have to send me a check so they can collect interest on my money, these a corrupt people 100% in my opinion and should be arrest. L

These people went into my bank account, debited charges and then told me that those were their deposit into my account. They wanted me to send that money to them and that it would boost my credit score and then they could give me a $2500 loan.. My bank shut down my account and now I'm going through so much... I almost wanna contact a lawyer. DO NOT TRUST THESE PEOPLE!!!!

Don’t ever use Lightstream. They don’t do soft pulls to see if you qualify first and they don’t automatically offer lower amounts for what they can approve you for. In addition after they denied me twice since I lowered my requested amount to half. I was immediately approved by SoFi for a large amount. What did SoFi see that LightStream didn’t?

Lightstream was fantastic to work with. Easy, clear, helpful and you possesses your car title. Great/Fair rates and easy to pay off early. Simple yet complete account website. Customer Service over several years has always provided quick and appropriate answers. I could not have had a better experience with a lender.

This company is for people with little debt if you are trying to get a credit card consolidation loan. They said my balances were too high, well duh that's the reason for the lower interest loan to clear credit cards and have lower payments. If I've been paying on credit card for years it's common sense to know that I'm credit worthy to pay half of what I've been paying.