Review Time
Light Stream loans is a scam. But I want LightStream to know. I was scammed by Light Stream loans. There is a space between Light & Stream on the scammer! They offered me a loan of $3000 @ 7% interest. When I looked them up, your site shows a special rate for new customers of 7% so I thought it was legit until they wanted to make two deposits into my account for bank verification. Then I was to go to Walmart & call them & they would tell me how to return the money! After that they would make my $3000 deposit.
I was contacted by some guy who could barely speak a few words of intelligible English, who said his name was Kevin from Lightstream Loans. He was very forceful and told me he already had my banking info, something I found to be disconcerting. In any event, he told me I qualified for a $3k loan, and after I said I'd think about it, he then proceeded to call me about 20 times a day, until I finally told him I wouldn't ever do business with such a sham outfit that harassed people like that. Thinking that would stop them from calling me, I was wrong. They kept calling, from about at least 25 different numbers.Summarily, I will post as many negative reviews online as I can about them, in the hopes that it saves at least one person from becoming involved with these highly unprofessional group of individuals who pretty much broke every FCC rule that is in existence. ∞®ichard Mark∞Keywords: Lightstream Loans Fraud Scam light stream financial personal business loans
I was offered a Pre-Approval for a personal loan at a very good interest rate by Lightstream, this was loan request originally started at Experian.com who in turn showed me many offers from various partners they work with, Lightstream had the best & most competitive rates is why I chose to attempt this with them.The application process itself was Not at all as easy as they claim, human emotions such as envy came into play.My income is straight forward with Zero surprises, also I have very little debt as I Own my home & cars outright & have less than $1000 in credit card debt, I Recieve Two US Government Retirements, Military & Social Security. And my Credit is straightforward as well, i have very well established credit for over 25 years and my score at the time was 761 (a Very Good Score). With a debt to income ratio at Under 7% (including the personal loan I would be paying off with proceeds from the new personal loan). My new Debt to income including New Loan would have gone to a Whopping 9%!The problem came down to The Underwriter apparently Not Liking my answers to her repeated questions as to "What I Was Going to Do with The Money"! I told her I was going to pay off an Open Personal Loan that is on my credit report with a bulk of the money, but she kept asking what was I going to do with the rest or the remaining funds...I told her that money would Sit in my Savings until when & if I needed it, and that "it's Personal" which by the way is the definition of what a personal loan means, For Personal Useage!Like I say, she didn't like this answer at which point she tried to tell me she would not give me a Personal Loan in order for me to use a bulk of it "On or for Personal Reasons" and I told her to get outta the "Personal Loan Business"...Needless to say, this was a Huge Waste of my time as well as a Waste of a Hard Inquiry being placed on my Credit, I Refused to Take Some Bait & Switch Loan & Lightstream Received Nothing!I in turn Called my Bank, Navy Federal and Recieved a New Personal Loan with No Questions Asked other than What day of month is a good payment date for me, And the 35k was in my savings account in Lightstream type Speed within 5 Minutes!Did I Mention I have Very Good Credit with good income & No Debts???When you play games be prepared for those of us Who Don't Need & are Not Desperate to Walk Away on the Drop of a Dime!Be Careful with Lightstream, they have large fees that are not part of the APR, Just be Careful at what you sign, there are Many Different Options in today's Highly Advanced Day & Age, Options that are Honest & without Games!
You advertised 3.69% for perfect credit for 84 months. My credit is 750 and the rate was %6.44 . Not only is that false advertising but now I have a ding on my amazing credit from your garbage company. I will make sure to give you a bad review on any platform I think of
I had a good experience with lightStream. The process was simple and easy and in 2-3 days I got approved. The money was in my account and I was able to buy my car. I had no issues with the process and the rate calculator gives you a good idea about what you are getting into. Better than get finance with a dealer.
Garbage company and deceptive ads! They claim the process to be extremely easy especially with people with excellent credit (over 840 credit score). I applied for a loan to do some home improvements thinking it would be easy and painless. Nothing of the sort! They are a complete joke. I withdrew my application and decided to just go with my local bank which was easy and seem less with a person of my credit worthiness. If you have excellent credit do yourself a favor and avoid these people at all costs. Scam company at best
The LightStream fintech lending division of Truist Bank is inept and unprofessional. They operate as if they started business yesterday, and seem unacquainted with consumer lending laws, bank compliance or regulations. They are not professional, and Truist Bank (formerly known as BB&T and SunTrust Bank) provides no discernible oversight, escalation of consumer complaints, or support to this shoe-string operation. Avoid at all costs.
I have perfect credit and had a hard time to get an auto refinance. The company did not offer a better APR as suggested. They could not beat my current rate. They told me it is possible only if I try again to refinance with another company and see if they can beat that rate. I did not understand their logic.
Terrible customer service and an unwillingness to work with the consumer. My company recently moved my pay dates back by 2 days. I called Lightstream simply to move my auto debit back to align with these new dates. They not only are unwilling to move this date back by two days, they are increacing my rate by .5% if I cancel my autopay. Horrible customer service, especially in the middle of a pandemic. Avoid this company at all costs!
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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.
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