Lightstream Reviews

I don t know if this is the same

I don t know if this is the same company or not but I got a phone call about a loan from Light Stream Finance and they said I was approved for a loan of 2 000 and go through the process and they wanted to deposit money into my checking account to verify my account and then for me to send the money back The guy kept telling me it will bring my credit score up and then they would deposit the 2 000 into my account I said I need to check with my bank because they hold deposits and I hung up on the guy and called my bank It s a scam

Likely a scam

I wish I would have read the reviews first The company is a joke or a scam The loan I applied for could have been paid off within just a few months Excellent credit Denied me because of things like too many credit accounts Guess having one credit card with a few hundred dollars on it is too much I think they are looking for people with bad credit thinking maybe they can take advantage of them

Lightstream doesn t care about the consumer

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

Garbage company and deceptive practices

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

Really bad company - bait switch tactics

Really bad company - bait switch tactics - had previously been approved for a rate of around 7 then now it s over 10 despite have far better credit history etc This company has bait and switch they publish great rates but then for someone with a 800 FICO with lots of extra cash capital etc They then only approve a rate of 10 19 when they publish a 6 39 headline rate Misleading Not happy

SCAM Lender Consumer beware

SCAM CONSUMER BEWARE I have excellent credit and wanted a debt consolidation loan Lending Tree said I was Pre-Approved through several lenders I choose LightStream under the pretense that I was pre-approved because BOTH LENDING TREE AND LIGHTSTREAM websites said I was pre-approved But atlas my loan application was denied I would ve never applied had the websites not said I was Pre-Approved Absolute SCAM Stay away

You ll regret it

Cheap now Pay later Easy process of getting money downhill from there Look elsewhere All reviews are from them processing payments but have you ever seen a review afterward Min 100 payments some payments take up to 4 days to pull and they charge you interest in the meantime There system messed up called in for final payoff clicked the payoff final amount and my loan is still having problems Rep told me to just make another payment and ask for a refund later Seriously

BEWARE

BEWARE THIS COMPANY IS A SCAM I UNFORTUNATLEY HAD TO FIND OUT THE HARD WAY MY BANK ACCOUNT GOT CLOSED DUE TO SUSPICIOUS ACTIVITY THEN CAME TO FIND OUT THAT THEY TRIED TO FILE A CLAIM ON A RECENT TRANSACTION I HAD MADE THROUGH MY BANK ACCOUNT NOW MY CREDIT IS MESSED UP AND NOW I HAVE NO BANK ACCOUNT I SERIOSLY DO NOT KNOW WHAT TO DO