Do not waste an inquiry on your credit. This company makes it seem like you are a preferred customer if you have used them in the past. I had a loan with them, paid it and was always in good standing. They send me mail saying I have preferred benefits. Doesn't seem like it, with a credit score above 800 they wasted my time and inquiry with a rediculous interest rate. Thanks for the lesson.
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LightStream online lending offers loans for auto, home improvement and practically anything else, at low rates for those with good credit.