LightStream is a lending company that offers a variety of loans, including personal loans, auto loans, home improvement loans, and more. They claim to offer low rates and excellent customer service, making them an attractive option for those in need of financing. In this article, we’ll take a closer look at

LightStream and see if they live up to their promises.

Application Process

One of the things that set LightStream apart from other lenders is their streamlined application process. Applicants can apply online and receive a response within minutes. The online application is straightforward, and the company claims that they don’t require any paperwork or phone calls to complete the process. This is a significant advantage for those who want to avoid the hassle of dealing with paperwork.

Loan Options

LightStream offers a variety of loan options to suit different needs. Their personal loans are unsecured, meaning that borrowers don’t need to put up collateral to secure the loan. The loan amounts range from $5,000 to $100,000, and the repayment terms vary from two to seven years. The interest rates are competitive, and the company offers a rate beat program, which means that they’ll beat any competitor’s rate by 0.10%.

In addition to personal loans, LightStream also offers auto loans, home improvement loans, and other financing options. Their auto loans are available for new and used cars, with loan amounts ranging from $5,000 to $100,000. The home improvement loans are designed for those who want to finance a home renovation project, with loan amounts up to $100,000.

Fees and Rates

One of the significant advantages of LightStream is their low rates. Their rates are competitive and often lower than other lenders. The company doesn’t charge any fees, including origination fees, prepayment penalties, or late fees. This is a significant advantage for borrowers, as it can save them money in the long run.

Customer Service

LightStream prides itself on its customer service. They claim to have a 100% customer satisfaction guarantee and offer a loan experience that is fast, easy, and hassle-free. They also have a customer service team available seven days a week to answer any questions and help borrowers through the loan process.

Final Verdict

Overall, LightStream is a reputable lender that offers competitive rates and excellent customer service. Their streamlined application process and lack of fees make them an attractive option for those in need of financing. However, like any lender, it’s essential to do your research and compare rates and terms before making a decision. If you’re in the market for a loan, LightStream is worth considering.