LightStream Arvostelua 

Lightstream sent bad checks to Telhio Credit Union, told me to send money back that overdrafted my bank account $970.00. I called them and told them to replace the money they stole and they said to damn bad.

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.

This is my second loan with Lightstream. I got my funds in 24 hours. Zero hassle. I had to end my relationship in a HELOC with Flagstar Bank who was awful and needed funds fast. Lightstream was seamless. I can’t imagine what people are doing wrong to have a bad experience.

TRUE SCAM STAY AWAY ASAP! THEY ALMOST HAVE ALL YOUR INFORMATION AND THEN WANT YOU TO REPEAT IT BACK TO THEM AND THEN THEY WANT YOUR LOGIN ID FOR YOUR BANK ACCOUNT (WHY). THIS IS A TRUE SCAM THEY CALL FROM A GEORGIA NUMBER (470) AND NEVADA (725) ALSO TEXAS (903) THATS ALL I HAVE FOR NOW BUT BEWARE.

There are definitely scammers going around pretending to be the legit company. They will call you out of nowhere and tell you you’re approved for a loan. They get your information and just as others have stated they will say they need to deposit $200, $900 random amounts into your account to build your credit. They file a claim on your bank account which I’ve never heard of a lending company doing that. If you get a call from them they are a scam do not give your information. I changed all my bank information just to be on the safe side

Seems to me people are too ignorant to understand that there are scammers impersonating this brand (as is the case with numerous loan companies) and also that LTV/DTI always factors into eligibility. It's unfortunate that these people have caused the rating to be so low when you can see that their actual customers are generally satisfied.

I got approved for a personal loan and funded in 2 days. I have decent credit with a good amount of student loan debt. Funds were sent directly to my bank and got the autopay discount to my rate.

This is a great option for borrowers with good to excellent credit scores without a ton of debt. Online account is easy to use and they have an amortization tool so you can see how increasing your monthly payment will help you pay off your loan faster. Also no prepayment penalties.

I disagree with their decision to not include their phone number on their website as this makes them seem a little sketchy but this is the only complaint i can think of. I would consider using again in the future.

Never do business with this company. Paid my loan balance in full and company still tried to auto debit a payment when there was no balance due. Worst customer service ever!

Have had two loans with them and both with their best rate. They advertise a low rate, I apply again (credit score of 740), they return a rate 3 points higher. And they did a hard pull which lowers my credit score. I suspect that because I paid off my 2 previous loans early that they don't want my business?

Total scam! My husband fell for it and now his bank account is overdrawn by several hundred dollars. There needs to be a class action suit against these people.

I finally figured out who is calling every day at 9:00 am on the dot- Lifestream Loans. Today I called them back and the polite guy that answered told me the name of the company. I said, "Could you please take me off your calling list." Click. I called back twice. Click. Click. Lots of time and money has apparently go into this scam. The guy sounded like he was from India.

I'm not understanding the bad reviews. I have excellent credit and signed up and was approved during a lunch break. They deposited the money in my account shortly after. The whole process was seamless and I highly recommend using them. Excellent experience overall!

I was approved for a LightStream loan quickly. I have excellent credit. I was sent an email saying my loan was approved. I was told the loan proceeds would appear in my bank account on Monday. A week later and no money in my account. I called to ask what was going on and a young man told me I was randomly pulled for an audit. He had no idea if and when I would get the loan money. I was left hanging. I called back again to cancel my loan application and they tried to get me to give them my banking information over the phone. They already had that information on the loan application. I will never never ever do business with this company again and am reporting them every place I can think of. I documented all contact with this company and printed off my approved loan agreement and emails. I'm just waiting to see if they follow through with cancelling my loan after hanging up on me. So peeved.

Horrible company . Not helpful. Waste of time

We have used them several times for emergency home repairs. Their rates are pretty good for personal loans. I like having options to spread out our payments over our chosen time period to fit our budget. Be careful what site you go to! I was once directed to a site that was close, but not exact.

Their email customer service is QUICK and their phone customer service is also just as great!

They have never contacted me to send money back and forth. They just put the loan money in my account and I make auto payments.

Got a call from lightstream loan saying that I was approved for a loan from 2K to 10K. I have no credit score and no credit yet they approved me I was surprised. They then wanted me to accept a partial deposit and then immediately send it back to them after which they would deposit the full amount of my loan. When I asked why he said that is just the way we do things to authenticate your account and I said that you can do that with the routing number and the bank account number! He then told me that I would have to provide my online banking ID and password for further authentication. Full on scam don't fall for this one they'll get you where it hurts right in the wallet!! A disgusting display of this fake company fraudulently trying to screw those of us who desperately need the money. I even researched online about this company and everything looked right. These people are pros and they're out to get you and your money! Run run away as fast as you can and report them ASAP! I can't believe that this sort of fraud has not been eradicated from the internet platform for loans. No one should ask for your password or user ID on your bank account not even your own bank!!

I am not sure if this is a scam or not. They told me I had to sent money back. I gave them my bank info and I had a whole bunch of things that I didn’t authorize them to do. I change all my banking info. Not sure what long term damage I may have cause myself.
Update
This is 100% a scam. They call me back asking to pay them with a target gift card. They have screwed me!!! RUN!!!. DONT DO GIVE THEM ANYTHING!!!!

I want to say thank to everyone who wrote a review straight scam they filed a claim on my banking account and if I didn’t catch it I would have been in hole for $1,260.00

Im not sure if this is legit but I received a text stating Iwas eligible for up to $10,000. I called them and somehow they already had all my personal information including bank. I continued with the paperwork. They said they would deposit a verification amount and I needed to send it back in order to get the regular deposit the next day. Afterwards something didn't set right with me so I went into my personal banking and changed my login information. I tried calling the number back but no one answered. I believe now that this is a scam and I am so glad I went in and changed my info.

Incredibly disturbing business model. They are definitely seeking individuals with poor credit scores. They are hoping to 'trick' people who are fiscally irresponsible into a bad contract and a bad loan. Do not work with this company. If an auto dealer is trying to get you to work with this company, they are trying to take advantage of you. Walk away from the car with the price that is too good to be true. It is.

HORRIBLE HORRIBLE!!! If I can go lower I would this company should have no stars my credit is way over 790 and I still got denied after running a hard credit inquiry makes no sense. This company has no number and is not helpful in any way! PLEASE STAY AWAY AND GO WITH SOFI INSTEAD!!!!