If you have (on the excellent side) of good credit, and don't mind automatic withdrawal, this is a no brainer. My credit score is around 800 and I was approved for an unsecured loan of $20,000 at 1.99%. The car I found was a little bit more so I asked for another $1000; 3 seconds later my wish was granted. They even planted a tree for me. I have not had the need to contact customer service as I can change practically anything I want online so that's why the 4 stars. I got a GREAT rate which was fast and hassle free. Would recommend to anyone with good credit.
Most Helpful Positive Review
Most Helpful Negative Review
Applied for a loan, they reviewed my application and accepted. I qualified for their best rate but for less than I asked. When I inquired into the reasoning--they completely gave me the runaround. Finally someone told me to reapply without worry. I reapplied and they doubled my rate for the same cash value.
I hate Lightstream for ruining my day, giving me the runaround, and for lacking any sort of transparency.
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**Annual Percentage Rates, terms of loan, and monthly payments presented are estimated and were created based on analysis of information provided by the consumer and available rate information from lenders. While efforts have been made to maintain accurate information, the loan information is presented without warranty and the estimated APR or other terms presented do not bind any lender. Lenders generally have a range of available APRs (for example, a lender’s range might be 2% to 12%) and only borrowers with excellent credit will qualify for the lowest rate available. Your actual APR will depend upon factors evaluated at the time of application, which may include credit score, loan amount, loan term, vehicle information, credit usage and history. All loans are subject to credit review and approval. Additionally, model year, loan-to-value, minimum loan balance mileage, income, debt, etc. restrictions may apply. When evaluating offers, please review the lender’s Terms and Conditions for additional details.