I was amazed at the ease, speed and simple process to apply and get confirmation of acceptance..even on a Sunday! Lightstream ( Suntrust) didnt even require collateral on $35k loan on new car.
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I applied online on a Tuesday, got the money direct deposited Thursday afternoon. I had several calls back and forth that week with customer service and had to fax verification items to them. Their staff is courteous and helpful but the constant calls really cut into my work days. Since then they have called and emailed for more verification docs, I emailed and they asked again a month later for the same thing. It is quite aggravating.
I have purchased two cars through Capital One - online application, had the blank check within a day, bought the car, set up autopay, done. That is not the case with Lightstream. I bought my car at the end of February. I am still getting calls from Customer Service asking for more verification on the purchase. I sent the Oklahoma title transfer form with the sale price clearly indicated - they want a bill of sale. I didn't get one, didn't need one. Now they want the money back that I haggled down on price. I bought a 72 Nova which now needs a wiring harness, a fuel pump, a new carb etc. Not to mention the $1400 to transfer an out of state title. I don't have that "extra" money, I spent it, I didn't keep all the receipts. Now I'm in a pickle and am stressed out. I feel harrassed and will never EVER use this company again. I have great credit and have the loan set up on autopay, I'm actively paying. I do not default on loans. I don't understand why they can't just let me pay it off and leave me be!!
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