LightStream Arvostelua 

I jumped through all their online hoops and they gave me an offer online but then said they would do a hard credit inquiry to confirm. So after screwing my credit score with the hard inquiry they denied my loan. Stay Away From Lightstream!!!!!!!!!

A Horrible Company. I am surprised how they are in business?

They add hard inquiries on you and denied your each and every loan request on heart beat.

They turned me down even my Score is over 760. They got to be Bankrupt sooner than later and I will pray for it.

I applied for a debt consolidation loan through this company. They came back with too much debt to income even though it’s a debt consolidation loan. The funds would literally go to pay off this debt and actually save over $900 a month by doing so. I’ve never been late on a payment and I have a credit score of 797. So all they really did was Lure me in with a good looking interest rate do a hard pour my credit was dropped my credit score by appoint and stays on there for a couple years and then they claim you for too much debt to income. That makes zero sense. There’s no customer service phone number no real person to talk to you. Don’t trust this company.

I used to like using this company.
Had 2 previous loans with them-one for a boat ($25,000) and another for personal use ($12,000). Paid these off early and always on time. I wanted to get a townhome rental renovation loan of $15,000 which I applied for on 9/12/22 and expected to be immediately approved. My credit score is 821, I have real estate assets well over $2,000,000, yearly income just myself (my wife excluded) of over $190,000.
Imagine my shock when I was declined for a loan.
I called them up and asked them to explain why. They said my balances (which all of mortgage related) was too high, etc. Really? I explained that all of my mortgages are jointly owned with my wife and that this townhome rental renovation I wanted to do was mine only, so that's why I was applying as an individual.
They said they would review the application again.
30 minutes later they sent me another decline email.
Unbelievable.
I went to another financial company later that afternoon and had the money approved within 5 minutes.
If I can't get approved for a $15,000 loan based on my worth, credit score and previous history with them then they should just go out of business.
Their loss . . . . .

Just don’t. Report any lending tree lending club and lights stream emails saying you’re approved. Idk if the real lightstream is legit with how difficult it was to dictate if I was possibly exposed to a scam. Smh

they lie to you and make you get the creator version to stream but i dont know if it actually lets you stream because im tryna refund this garbage fk you lightstream

Hard inquiry just to be denied. Credit score 700+, previous loans all paid on time. Don’t risk putting your info into this company. Just added a freeze to all my bureaus because it feels like I got scammed for info

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.

This company is a joke. I applied for a loan for $65,000. Had over $125k in my checking account and I have an 827 credit score with over $120,000 credit line and I own a business. What's funny is I was approved for a $162,000 business loan 6 weeks ago with no issues. They denied me because i have an open mortgage thats I've been paying on for 10 years and never missed a payment. No kidding pal. Its ok because im disputing this hard inquiry and taking my business. I can buy the car cash if I want to but they left a bad taste in my mouth. Im sure another lender will have no problem approving me. I guess Lightstream dont want my business that bad.

I need to know if this is a scam because they sent money to my account and want me to send it back for verification before I can get my loan of $2000

Honestly I found this company through my job. Everything was online and quick. No need to deal with any customer support. I submitted everything that was needed and got approved for my loan with the lowest interest rate that I was hoping for (I have really excellent credit). I couldn’t be more happy with how quick and seem less and affordable this process was for me. I’m glad I went with it despite reading these reviews. I think people are confused with this company and some scam that reaches out to them. If you want a good company that is able to have lower rates because things are more automative then this is a company for you.

These people called me and told me I was approved for a 10k loan. When they emailed me the form they require my user name and password to my bank! BIG RED FLAG they almost had me beware of these people. First they called from California then Texas

We've had two loans with Lightstream and have had an excellent experience both times--smooth application process, easy payment structure and--important to us--no penalty for early payoff! Highly recommended.

Reading all the reviews makes me even more furious at myself for not doing my homework and letting myself be sucked in by these bottom feeders. Whenever I don't listen to my gut feelings, I get screwed. I'm embarrassed to say that I'm 65 and have lived long enough to know better but I was in a financial crisis and obviously lost control of my senses. My story is the same as most of you..I was approved for 5K almost on the spot and right then I should've known it was too good to be true because my credit is not good at all. I stupidly believed them probably because I wanted so badly for it to work out. I let my emotions take over. Now, I'm out $600 which overdrew my bank account with no hope of ever recovering it. I got a call from my bank's fraud dept and I knew immediately. I changed all my online banking info right away and they (Lightstream) had the audacity to call me and ask me why I did that. I was almost speechless. I said...Are you effing kidding me? Then I got some BS story that she was not in the payment dept and I said...Save it honey...it's all BS and then I wrote a scathing (and that's putting it mildly) email to Jessica Howard, the supposed Loan Director. I got a return email that said..."Thanks and regards" from Jessica. I was able to get her on the phone and I said...What is wrong with you? She said she was not aware of the problem and would straighten it out. I told her I wanted to hear from her before the close of business today...big surprise...no call. I didn't expect one. I honestly would take great pleasure in flying to CA and pay them a little visit in person with my friend who happens to be on a SWAT team...That's how furious I am. These people are why the world is such a hateful place these days...they don't deserve to breath the same oxygen we do...it's just a waste. I'm really rooting for Karma to work it's magic when they least expect it. Just wish I could be there to applaud. Honestly, I am a kind, peace loving old hippie from the Woodstock days, although I may not sound like it right now but I'm just so saddened by what the human race has become and done to our world. Sorry for the ramble but I had to share. Bless you all and be kind to one another...it's our only chance. As Jimi Hendrix said " When the power of love overcomes the love of power, then and only then will we know peace" Be safe friends.

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.

light stream never ever calls people and provides a loan if u got any email please check the sender if the sender is from Gmail it is a scam if that email came from lightstream.com it is a legit email please check the domain when u receive any emails. this is for everyone who is in this forum

Total scammers! Unfortunately I fell for this and now out $800. More mad at myself that let them do this to me. Definitely learned my lesson.

I applied for a car loan yesterday evening and expected a “fast decision”.

I received an email at 6:27AM the next morning asking for me to call to answer a couple questions. I called and received an automated message saying that their offices were closed and to call back between 10am and 6pm.

I waited until 10am and called again. Agent asked a couple identifying questions and reassured me I would receive an answer “today”.

Received an email at 10:24am asking me to upload documents. I did so and completed the project within an hour.

Didn’t hear anything, so at 2:40pm, I called again. The agent said it is currently under review, but not to worry because I will receive a decision “TODAY”. I said “that’s great, because I plan to go car shopping tomorrow.”

I didn’t hear back by 6pm, so I called again, but offices are apparently now closed.

Logged into the application online and it appears that it’s still in process.

Sent an email to inquire and quickly received a denial letter within 60 minutes.

According to their system, I have an 802 credit score.

I have millions of dollars in investments and real estate.

I have very little, to no debt at all.

I make over $40,000 per month in income.

They declined me for reasons that simply do not apply.

Clearly they’re trying to attract people by teasing them with low interest rate offers, but really only looking to approve consumers with low income/credit so they can justify charging high interest rates.

This company called me when I DID NOT apply for anything anywhere online, they just HAPPENED to have my number, I work for a loan company myself and I know that it is NOT PROFESSIONAL to talk over the customer, their employee I beleieve he said his name was Jerry, was walking over me after I asked where he obtained my information. They are unprofessional and rude and get your personal information that they BUY from other websites, SCAM

Spent half hr filling out app. Then password page does not accept password even when tediously following guidelines. Website looks nice, but is crap.