I don't know what information they looked at but they apparently know more than every credit agency.

I have pretty good credit, over 720, great income from self employment which I’ve done full time for over ten years, with tens of thousands in the bank. I’ve had a credit for over 15 years and previously impeccably paid auto loans. I was denied by Lightstream, according to the letter because of insufficient income, lack of credit history and debt ration. My debt ratio is below 20%, and was only applying for a 25k loan. I’m shocked: extremely upset to have wasted a hard credit check for NO good reason

Applied for a pool loan friday and hete it is Monday and still no response I was told my credit score would not be affected but it was it dropped 5 points knocking me below 700 .really

I'd seen A LOT of bad reviews for Lightstream. Reviews from people claiming to have the world's greatest credit score and piles and piles of cash (and 3-4 houses). ALL of them claimed to get denied by Lightstream. So when a lowly working man like me with "good" credit got approved in MINUTES and got a percentage rate way lower than any used car dealer I could find, well, I was pleasantly surprised. Now, it was after 5pm on a Friday before a 3-day Holiday weekend, so, I didn't actually get the money deposited into my bank account 'till Tuesday (the day after the Holiday). But still,... I would (and already HAVE) recommend Lightstream to anyone. (Well anyone who's not already rich).

The Lightstream process was quick, easy and transparent with all of the paperwork handled via computer and email. My loan app was approved in 1 minute - you read that correctly. Funds were deposited in my account on the date of my choosing and I selected the date for the autodraft from my bank account which resulted in a .50 reduction in my interest rate. And, as a bonus, I can track my loan payments via their phone app. Will definitely use them again if the need arises.

Find another lender if you have a bad month you will never recover and they will repo it

process is easy, fast, painless, money in your account fast. I have 2 loans with them. I would recommend.

Per LightStream rejection letter, I have an average credit score (from Equifax and Experian) of over 795. So, if you are responsible (low debt, always pay on time, and pay off all debt early) you are not eligible for financing through LightStream. Apparently they prefer, high debt and risk, in order to over charge on rates and add fees.

Agents were helpful. No hidden fees. Just the loan amount and interest. Got my monthly payments reduced over $100. Would definitely recommend!!

No complaints about Lightstream. Got an auto loan and it was simple as can be. Applied and once I was approved the money was in my account within 3 days. Purchase the vehicle and had issues with getting the vehicle registered cause the state took forver to finalize everything. LightStream was very patient with me in getting the paper work back to them. Thanks. I will recommend Lightstream to anyone.