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LightStream - Profile & Reviews

When you have good credit, you deserve a fast and simple low-interest loan for practically anything. LightStream calls it Lending Uncomplicated®, and they take a fresh approach to lending.

Their simple online process lets you apply in minutes. When your application is approved, you’ll quickly have funds deposited directly into your account, so you can focus on your purchase rather than the financing.

LightStream’s rates are always competitive, and they are visible before you apply. Every step, from application to funding, can be completed from a computer or mobile device. (Please note, we may receive a referral fee from LightStream through this link.)

Disclosures:
All loans are subject to credit approval by LightStream.

Truist Bank is an Equal Housing Lender. © 2020 Truist Financial Corporation. SunTrust, Truist, LightStream, the LightStream logo, and the SunTrust logo are service marks of Truist Financial Corporation. All other trademarks are the property of their respective owners. Lending services provided by Truist Bank.

4 reviews

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  • "Frauds"

    Reviewed
    "Frauds"

    Reviewed Jan 19, 2022

    Don't know who to blame, Lightstream for running my credit or Suntrust. Either way, both of you guys are involved. I did not give permission to run my credit with suntrust, it was just a consultation appointment which I canceled on the same day. Besides my name and address, no social security was givien so how in the world did Lightstream run my credit? I guess when your company has money, you can buy info.

    LightStream
    Supplier
    Response from LightStream
    Responded Jan 20, 2022
    Response from LightStream
    Responded Jan 20, 2022

    In order for LightStream to make a credit inquiry, an application must have been submitted at www.lightstream.com. If you have questions or wish to confirm that an application was submitted, please email customerservice@lightstream.com. Our teammates will be happy to assist you with your concerns

  • "Used to be good.."

    Reviewed Feb 01, 2021

    We did 2 loans 1 for AC and the other for solar. We had a 7 year loan and good rates. We decided to pay them both off early 4 years and tea apply for 1 large solar loan to get more panels and batteries. The rate they gave us was over 10%! Yet they say they will match anything as long as the terms were the same. Wheelhouse credit union offered identical loan at 6.25% we forwarded the approval to LightStream and they said nope we need a truth & lending statement! Well, we can only get one of those once we decide to move forward with wheelhouse and at that point why would we try and get LightStream to match! Very upset! Excellent credit! Paid 2 loans off early and this is how they treat repeat customers! We wouldn’t have 1 paid off the 2 loans and 2 even bothered having our credit run for gods sake!

  • "Short loan terms"

    Reviewed
    "Short loan terms"

    Reviewed Apr 16, 2018

    Lightstream seems a good company to work with, but for the typical residential system ($10-25k), they only offer 7 year loans. (12 yr over $25k) That makes it almost impossible to tell your customers "you'll pay your loan instead of your monthly electric bill and it will be about the same amount from day 1." You really need a 20 year, 0 down loan to sell that model.

    Also, no phone # on their web page to get quick answers so I question their service.

    7 people found this helpful

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Low fixed rates with no fees or prepayment penalties for those with good to excellent credit.

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LightStream Headquarters

Atlanta, GA
United States

States served by LightStream

  • Alabama AL ,
  • Alaska AK ,
  • Arizona AZ ,
  • Arkansas AR ,
  • California CA ,
  • Colorado CO ,
  • Connecticut CT ,
  • Delaware DE ,
  • District of Columbia DC ,
  • Florida FL ,
  • Georgia GA ,
  • Hawaii HI ,
  • Idaho ID ,
  • Illinois IL ,
  • Indiana IN ,
  • Iowa IA ,
  • Kansas KS ,
  • Kentucky KY ,
  • Louisiana LA ,
  • Maine ME ,
  • Maryland MD ,
  • Massachusetts MA ,
  • Michigan MI ,
  • Minnesota MN ,
  • Mississippi MS ,
  • Missouri MO ,
  • Montana MT ,
  • Nebraska NE ,
  • Nevada NV ,
  • New Hampshire NH ,
  • New Jersey NJ ,
  • New Mexico NM ,
  • New York NY ,
  • North Carolina NC ,
  • North Dakota ND ,
  • Ohio OH ,
  • Oklahoma OK ,
  • Oregon OR ,
  • Pennsylvania PA ,
  • Rhode Island RI ,
  • South Carolina SC ,
  • South Dakota SD ,
  • Tennessee TN ,
  • Texas TX ,
  • Utah UT ,
  • Vermont VT ,
  • Virginia VA ,
  • Washington WA ,
  • West Virginia WV ,
  • Wisconsin WI ,
  • Wyoming WY