lightstream.com

1.4
1.4 Based on 60 reviews

LightStream online lending offers loans for auto, home improvement and practically anything else, at low rates for those with good credit....

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Average Rating

1.4

/
5

60 Reviews

5 Star
8%
4 Star
2%
3 Star
0%
2 Star
5%
1 Star
85%

All Reviews

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Review Time

Alex Chew
I will FOREVER associate this company with scams. My wife was scammed online and convinced to take

I will FOREVER associate this company with scams. My wife was scammed online and convinced to take out a loan. The scammers recommended Lightstream as their preferred loan company. I filed a police report against the scammers. But the damage was already done. We finally paid back the loan on July 21st.

I WILL NEVER recommend this company as it is recommended by online scammers.

1
Date of experience: Apr 03, 2026
Vera Daz
I had a very disappointing experience…

I had a very disappointing experience with LightStream. The application process required a significant amount of personal information, which I provided in good faith. However, despite this, my loan was not approved.What concerns me the most is that a credit inquiry was still placed on my credit report. This negatively impacts my score, even though I did not receive any benefit from the application.Overall, the process felt misleading and frustrating. I would advise others to be cautious before applying, especially if they are concerned about unnecessary credit inquiries and sharing sensitive personal information. Fraud. Be careful.

1
Date of experience: Mar 18, 2026
Bonnie K Sims
Be very careful of Hackers using this…

Be very careful of Hackers using this company to send people fake emails of loan documents, i have forwarded fake email documents to this company fraud department

2
Date of experience: Mar 10, 2026
wayne
Scammers

Scammers. run fast and hard

1
Date of experience: Feb 23, 2026
JoAnn Osier
There is somebody out there using…

There is somebody out there using LightStream’s good reviews to act fraudulently! They took $500 from me! I do not believe that it is the real company. Please make sure you are actually working with the company and not the fraudsters! I have not actually worked with the real LightStream but the reviews say it all, which is why I trusted these people!

5
Date of experience: Feb 18, 2026
Shoetinblanks
The Comprehensive Digital Experience

I recently used LightStream to finance an out-of-state vehicle purchase, and the convenience was unmatched. I prefer to handle things digitally (online, emails) without having to call and talk to someone or deal with pushy sales tactics, and LightStream's process was perfect. I submitted my application on a Friday before a holiday weekend, and the funds were in my account by the very next business day (Tuesday). The website and account setup were incredibly clear and walked me through everything step-by-step so I knew exactly what I was getting into. I especially appreciated how they explained the auto insurance requirements—since it's an unsecured loan, they provided clear instructions on what to say to my insurance so I didn't have the hassle of adding a lienholder. Now I have the title in hand! Highly recommend for a seamless, 100% digital experience.

5
Date of experience: Feb 13, 2026
Homer Simpson
Could not have been easier

Applied for a personal loan with a reasonable rate online, which took minutes. Approval happened the same day. Funds received two days later. They did much better in all regards than my own credit union, where the rate was double and the time requirements were weeks.

5
Date of experience: Jan 16, 2026
Kevin
Run, don't walk!

If only I would have found these reviews first before applying - like others have said, run, don't walk, away from Lightstream. They'll rip your credit then give you a denial letter despite an impeccable credit portfolio and loan packet.

1
Date of experience: Dec 22, 2025
Gabriel
I was recently denied for a loan

I was recently denied for a loan, I would appreciate it if all of my information could be deleted from your database(s), as I do not consent to the sale of my personal information.

1
Date of experience: Dec 18, 2025
Wayne
Waste of time

Sent me a denial letter with a credit score of 797. Proceed to pull hard inquiry the next day on my credit. For what? Reached out two weeks ago and they couldn't even bother to get ahold of me? I've never had a negative mark on my credit report and make over 6 figures. Makes no sense.

1
Date of experience: Dec 16, 2025

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Business Details

  • LightStream online lending offers loans for auto, home improvement and practically anything else, at low rates for those with good credit.

  • language https://www.lightstream.com

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