"We don't have any questions. Just a comment. We are 100% satisfied with the loan experiences we've had with LightStream. The application process was quick and painless and our concerns were addressed within 5 min of sending an email to customer service. Also, the service feels very personalized. 10 out of 10! Congratulations, you've gained yourselves lifelong customers!"
- B. M. & B. M. from Ogden, UT
"For anyone in need of a loan, they won't even consider financing with anyone else after they experience LightStream. There simply isn't a better way to go about it. The other sites that I visited were far and away behind LightStream, and cannot compete at any level in my view. Nobody offers what LightStream does that I am aware of, and I will never go anywhere else. Fast, efficient, and incredibly easy. Thank you very much for making my experience the best ever."
- A. C. from Marseilles, IL
"I have borrowed (and paid back successfully) multiple personal loans throughout my professional career. And you guys offer, by far, the most outstanding overall experience of all of them. I look forward to much more business with you over the years!"
- E. R. from Carson, CA
"Thank you so much for making my dream happen (owning a 56 Belair) … love you guys."
- M. C. from Glendale, AZ
"Great process and experience. I purchased a 2008 Corvette this week and fulfilled a lifelong dream. Having the money to deal and personally holding the title made the entire process much more pleasant than dealing with financing at the time of purchase. Thanks for inventing the best loan process ever."
- J. L. from Arden, NC
"You guys Rock making it so easy for deserving customers. Appreciate your service - will bank with u guys from now on."
- S. B. from Dallas, TX
"This was the most hassle-free loan we have ever applied for. The application was received and approved in one hour and four minutes. Outstanding service is an understatement!!! Kudos to the staff at LightStream!"
- R. G. & K. G. from South Daytona, FL
"Hello LightStream folks. I just got an easy, low interest loan from you via my Suntrust Bank. Then, today, I got an ecard saying y'all arrange to plant a tree with every loan! Thanks! That tree shall be named "Gibbs" to share the name of the Ford F150 Pickup that we bought with the loan! May Gibbs grow tall and strong! Thanks!"
- R. S. & T. S. from Hephzibah, GA
"Approved in minutes. I have excellent credit and qualified for their lowest rate, that traditional brick and mortar banks can't even come close to, at my terms, and completely unsecured. They called a few minutes after I submitted the application to confirm my work number, and moments later, an email arrived telling me I was approved. They allowed ME to decide when my first payment would be, which they push to the next business day if that falls on a weekend or federal holiday. The proceeds were available in my bank account the very next day.
Fast, no hoops to jump through, and incredible terms. I feel like taking out another loan just for the sake of it because the process was so satisfying.
- B. C. from Lanoka Harbor, NJ
"I just wanted to commend your company on its efficiency, efficacy, and equitability. I have never enjoyed such service and ease of accomplishment. At this point, you are doing everything right except the access for customer feedback and comments. I searched your website for several minutes before finding this page. Advice: make it easy for your customers to praise you; you deserve it!"
- R. T. & T. T. from Palm Coast, FL
"Just wanted to take a moment to comment on your process. Hands down the best loan experience I have ever had. So simple and straight forward it's hard to believe. It was a process that assigned real value to a lifetime of good decisions. I will gladly do business with you again and I'm happy to tell my friends with similar credit profiles about you."
- E. B. from Richmond, VA
"This is by far the best online loan experience I have ever had. Your site is easy to understand and navigate, the loan application process was flawless."
- E. K. from Harper's Ferry, WV
"I LOVE THIS SITE, THE PROCESS AND THE SPEED OF ASSISTANCE THROUGHOUT THIS LOAN EXPERIENCE. I SAW THE AD INDICATING "BEST LOAN EXPERIENCE EVER OF WE WILL GIVE YOU $100." I THOUGHT, PROBABLY EVERYBODY SAYS THAT. THIS HAS TRULY BEEN AN EXPERIENCE THAT FAR EXCEEDED MY EXPECTATIONS. NEVER HAD TO LEAVE MY DESK. LOW INTEREST RATE. FLEXIBLE TERMS. KNEW THE COMMITMENT BEFORE LOAN OR CREDIT PROCESSED. LIGHTENING SPEED OF APPROVAL AND FUNDING PROCESS. I LOVE YOU GUYS!"
- L. B. from Smyrna, TN
"I just wanted to say thank you, to the Lightstream staff and creators of the process! This was by far, the easiest loan process I’ve ever been through! With your help, our lives have gotten much easier to handle financially. I will be returning to SunTrust Bank and LightStream for all of my future financial needs!"
- J. J. from Philadelphia, PA
"I wanted to wait until the first debit processed to offer my unqualified endorsement of your service. I discovered you on the web, applied for a car loan on a Thursday, had the funds in my Credit Union the next day, and had my CPO car that afternoon. Unbelievable. Just a follow up call the day of the application and that was that. Also, your web site, both before and after the loan is excellent. Very easy to navigate, and the clarity of my loan and its current standing is flawless. A 100% positive experience."
- J. G. from Glendale, AZ
"Over the past few months, I have had to manage, a home refinance, new homeowner and car insurance, new employer setup and benefits.
All of it was done electronically and most of it was very disastrous. No real people to talk to, and the navigation oftentimes did not work.
When I was advised that the LightStream loan process would be electronic, I was wary. Happily, my concerns were unfounded. I found your process
to be easy and quick. Your turnaround is incredible. When reaching out to real people, I was not placed on hold and I did not have to go through
endless scripts ending up with a disconnect. The people answering were knowledgeable, friendly, and easy to understand.
- S. C. from Buford, GA
"I just wanted to express our happiness and gratitude for the ease and efficiency in the entire loan process. From day one of applying for the loan to the payment process, it has been flawless! We were amazed at the quickness it took to be approved and receive the money for the loan. I believe it was 2-3 days! Never have we ever been taken care of with such courtesy and expertise. We will most definitely be referring you to our friends and family. Keep doing what you're doing because you guys got it right!!!"
- E. G. & D. G. from Spring, TX
"I would like to thank everyone at Light Stream for this loan's convenience and all the representative's at Light Stream. Pleasure doing business!"
- M.E. from Valrico, FL
"Just wanted to say how much I love your mobile friendly system. On my phone I check balance and payments. Easy to make extra payments. Great rate and the entire process has been very user friendly. Wish I didn't owe you money but the experience has been great! Thanks friends!"
- R.M. from Little River, SC
"I am one of those people that rarely write reviews but couldn't do this after my great experience. I applied in the evening on a Monday and was advised that I would hear the next business day once underwriting was in the office. I would say by 9 am the next morning I had my approval for a used unsecured auto loan for 1.74%!!! That is an amazing rate and I know being an underwriter for consumer loans myself! The process was simple and I had my money by Wednesday morning with no extra fees. I couldn't even get as good of a rate or customer service from the bank I work at (and underwriters who sit right next to me) if I had tried."
- S.R. from Grand Rapids, MI
"To the Team at LightStream:
Indeed, this is great news! You guys have certainly created an excellent customer experience overall. We are extremely pleased. Your email response time is very appropriate, the language and communication skill of the employees has the right balance between friendly and professional. I also felt very well informed of the tasks I needed to accomplish in order to be in good standing. The use of appropriate hyper-links is a great approach for both tech savvy and non tech savvy individuals.
I could say some more complimentary things, but for now I will cease there. I will recommend you as well to anyone in need of loan services. To the planners and wonderful implementors of the LightStream approach - well done. Up there with Zappos and Amazon with certainly!
On top of it all, I carry the wonderful heart weight of knowing my loan assisted in the planting of a wonderful tree. Bravo.
Truly grateful - you are making a difference providing for your families while doing it.
- D.J. & D.J from Windermere, FL
"I just had the pleasure of speaking with Drew. Cannot say enough how he listen to what I was saying and provided amazing guidance. In today’s world the customer service word is non existence. If he represents how light stream is I will be a customer for life."
- C.M. & J.M. from Brentwood, CA
"Good morning, I wanted to send a quick thank you for providing such excellent customer service. This is our second loan with LightStream and both experiences have been extraordinarily efficient. The online application is simple and response time is so fast. Our second loan was even easier than our first since much of our information auto filled (very smart). Also, the emails that I receive from LightStream are concise vs. filled with useless default information that we are all so unfortunately used to from other businesses. Thank you so much for doing what you do. You guys are awesome!"
- D.S. & L.S. from Wilmington, NC
"This was a pleasant surprise. I had no idea how easy everything would be. They did everything they said they would exactly how they said. It was quick and easy and would definitely suggest this site to anyone interested in auto loan."
- T.R. from West Monroe, LA
"First off, this is been the easiest financial transaction--ever! I'm looking forward to the confidence that having my financing ready to go for car shopping will give me. Thank you."
- R.K. from Winslow, AR
"I just wanted to tell you that there is no WAY I could even contemplate trying to argue for the $100 if this wasn't the best loan experience ever. The whole process, from start to finish, was simple and incredibly quick. Not to mention, wow what a rate! You can believe I will be sharing your site with everyone on my social media! Great, Great, Great, Job!!"
- D.M. & J.M. from Ottawa, KS
"LightStream was amazing to work with and I have already recommended them to friends and family. They make the process incredibly easy and their rates are great…LightStream's customer service was efficient and friendly and navigating their site was incredibly easy. The entire application process to funding and now repay is streamlined and simple. I read all the fine print and they truly offer a simple interest loan with no prepayment penalties and their rates are very competitive. They made consolidating my credit card debt painless and I have the peace of mind knowing that I will be able to pay off this loan in 3 years and my interest has been cut in half! I will be thinking of LightStream first the next time I need a loan."
"I wish I could like your page 100 times. LightStream has made my last two car purchases a breeze. I really appreciate that there is still a company out there willing to extend quality low-rate unsecured loans so quickly and effectively to people with the credit history, income, and assets to qualify. It seems most banks have gotten away from really rewarding the "very low risk" borrowers with appropriate benefits - they just have their standard categories of high or low risk and give a standard rate and terms accordingly. I tell everyone I know about LightStream. Thanks again for making my life easier."
"Thank you so very much for remembering my wife's birthday and your email message. You are the only Banking institution that took the time to remind her you care. This really means a great deal to her."
- D.M. and S.M. from Brandon, MS
"Thank you. I have been married with a family for 44 years and during that time with careers and raising a family there have been times that I have had to apply for a loan. I can honestly say that the process you have is the easiest, most customer friendly process that I have ever encountered. I look forward to being a customer of yours, paying off this loan and also looking to you for any future needs and I have already recommended you to several people. Thank you again for your outstanding customer service. I don’t usually write notes like this, but I don’t usually get excellent customer service and when I do, I like to acknowledge it. Thanks again."
- L.F. & D.F. from Middletown, VA
"This was the most efficient and convenient loan process I have experienced. I needed assistance with two areas on the application and received help immediately. After all was submitted, Alyssa called about a routing problem; I had given incomplete information. She competently corrected numbers and verified procedures through a conference call with my bank. She then explained the deposit options, allowing me to choose without a hint of impatience or condescension, somewhat rare among young technical assistance professionals these days! Her degree of thoroughness and attention to detail was impressive.
I work hard to pay bills and live as debt-free as possible. You made a small splurge (horse trailer) possible!"
- D.W. from Perry, FL
"I just want to offer my heartfelt thanks to the Customer Service team at LightStream. Please make sure that your management sees this email.
I am a somewhat picky customer and can be a bit of a pain sometimes. Regardless, your team has always dealt with me with grace and courtesy. You are also incredibly fast in your responses to my questions and set a very high bar for any of your competitors to match. From the very first time I was introduced to LightStream, you stood out as different and noticeably better. Applying for a loan was super easy, approval was quick and the whole process was the most pleasant and quick loan experience I can remember. I am an IT pioneer, with more than 50 years in the field, much of that spent consulting with Fortune 500 companies, including many major banks. You make me proud in that you represent a shining example of smart IT use, backed up by first class people. To put it in fewer words, LightStream ROCKS!
Thank you for doing such a wonderful job for your clients. To Gwen and Monica and all the others on the Customer Service team, keep on doing what you obviously do extremely well, making LightStream’s customers happy."
- W.R. & S.R. from Sumter, SC
"Wow… I really appreciate the dedication of working late. I didn’t expect an answer today. I submitted the loan application. I am really looking for the pre-approval so I can shop this weekend and understand the terms of the loan. Light Steam is the best lending source because of the services and customer support they provide. You seem to be a huge reason the customer support is so great! Thanks for the quick response!"
- D.H. from San Antonio, TX
"…Thank you so much for this loan . It is the best loan experience I've ever had!"
- L.W. & D.W. from Dade City, FL
"The process was so easy! After being pushed around by my bank this was a delight and a big worry off my shoulders. A quick online application, one courteous phone call, and money when I need it. It doesn't get any better."
- S.S. from Troy, PA
"Amazing experience! I reached out to LightStream because I'm buying my first boat and I can't say enough about how great this experience was. I submitted my application online on a Wednesday, got a call a few hours later that missed. Called them back in the morning the next day, answered a couple of questions they had, got an email 20 minutes later asking for me to attach my latest paystub, 20 minutes after I did that I got an email with approval. I could have had the money wired the next day if I chose. I held off because I was still negotiating with the broker on the boat. The whole process took less than 24 hours. To put it in perspective, I submitted an application with the broker to finance through his company two days before I submitted with LightStream... it's now been almost a week and I haven't heard back regarding the financing from the broker yet. I just told him to forget about it, I was going to pay cash. That helped the negotiations! I never, ever take the time to write reviews but this process was so easy, the customer service and responsiveness is by far the best I've ever had. If you're looking for a pleasant experience financing your next toy, you have to reach out to LightStream and see what they have to offer."
- D.T. from Westwood, NJ
"We just wanted to let you know that the whole process of getting an unsecured loan with LightStream has been fantastic. It was so easy and quick to get the money into our bank account, and then to have the payments automatically withdrawn. Also, the website is easy to use and doesn't have a bunch of stuff on it that you don't need. Don't change a thing!! You are doing GREAT!"
- J.D. & M.D. from Saint Louis, MO
"Thanks, I love LightStream and will only be using your loans for all future vehicles!"
- A.B. from Phoenix, AZ
"This isn't really a question but a sincere "Thank you"! I never want to step foot into another bank again because I am so impressed with how you handled our loan. Never have I been so impressed with your speed on decisions and deposits! We are so grateful that you are as good as your word. In this day and time, it's hard to find a company that cares about their customers time and finances. You did both, if I could rate you it would be 5 stars! Tell you what, whenever you are near this area, come by and jump in the pool with us. Again, just wanted to let you know how great we think you are and how you took care of us."
- W.C. & D.C. from Lavaca, AR
"I have never experienced a simpler or quicker loan process in my life. Applied and was approved within 2 days. Any delays were generally tied to how often I checked my email. Application process was all online and took 10 minutes max. Received a great rate and money was deposited in my account on the day I selected. All transactions were simple, fast, and digital…"
- D.N. from Alpharetta, GA
"I used LightStream for an auto loan and I couldn't be happier with the process… The process was extremely fast and efficient. Their website is relatively simple and user-friendly. At the touch of a button, I can easily adjust my monthly payments and get a quick schedule of the payments until the loan has been completely paid off. That way, I can easily gauge how much interest I'd save if I were to make additional payments each month. Honestly, I can't imagine using any other loan service going forward… Your credit score and financial position gives LightStream confidence that you will not only make monthly payments timely but also resist the temptation to put your car title down on the craps table."
- B.W. from Forest Park, IL
"I want to thank everyone for making everything so smooth and efficient. Timing was amazing and wire transfers, etc. Have a great summer!"
- P.V. from Severn, MD
"Just wanted to leave some feedback. We just did our third loan with LightStream. Again the fastest, smoothest, easiest, and most streamlined process. And at the best rates. Whenever the need arises again, we will always go back to LightStream for our loan options. Thanks!!!"
- M.W. & I.P. from Santa Fe, NM
"OMG!!!!!!!!!! There are no words in the English language to express my gratitude to your very well established funding process. Wow...I am overwhelmed with gratitude to get away from the HIGH interest rates and a fee for everything. I simply dropped by my favorite SunTrust Bank today, walked in and as usual was greeted by my name. I had NO idea today would be the day I would finally get a loan that REALLY make sense to me. Thank you!"
- D.M. from Spartanburg, SC
"...Thank You for an excellent experience!
Yesterday, I started looking online for attractive auto loan options as I had selected a 2016 GMC Canyon that I wanted to purchase. Based on several recommendations I found, I took a look at LightStream and decided it was worthwhile to start a loan application. What immediately caught my eye is they describe and market their service… “LightStream offers attractive loan terms and approval processes if you have excellent credit history, you have a high credit rating, etc.” I thought to myself, have I perhaps found a financial institution that caters to very low risk customers and rewards them with great rates and simple loan processes? I was very hopeful.
The loan application itself was incredibly simple and took me less than 10 minutes to complete. Step 1 complete, I give it a 10 out of 10.
In less than a minute I received an email letting me know things were underway. I received a phone call in approximately 25 minutes from a very friendly customer service representative who was reviewing my application. She only had one minor question related to my address/city not coinciding to my zip code which we easily sorted out. Step 2 complete, another 10 out of 10.
10 minutes later I received an approval email with a 1.99% term. The email had a web link where I could customize my loan amount, payment term and date, and when and where my funds would be deposited to. Step 3 complete, 10 out of 10.
This morning at 7am I check my account balance and my funds had been deposited. Final step complete, 10 out of 10.
This afternoon I went and picked up my new GMC Canyon and was able to pay cash for it which helped me negotiate a very good purchase price.
Few things in life exceed my expectation, especially so when they involve major purchases, loans, financial institutions and processes that usually take hours. I give the entire LightStream experience my very highest recommendation. It was fast, simple, incredible efficient and rewards those who take things like credit worthiness seriously.
I am VERY satisfied and will most certainly do business with LightStream again."
- R.S. from Stilwell, KS
"I know you plant a tree for every loan given, but I just wanted to tell you what that means to us. We are up to our eyeballs in the IVF process which is the reason we got this loan. Previous to this, we endured almost 4 years of repeated miscarriages (7 total) and we recently planted a magnolia bush to commemorate those losses. There's something very special and poignant to planting a tree to honor loss and I just wanted to say thank you!!!!! We also appreciate the real reason-- saving the earth for our future generation!!!"
- J.C. & A.C. from Minneapolis, MN
"I truly appreciate the quick response and knowledgeable answers. You all definitely set the standard to where other companies should take notes. It has been an unexpected pleasure dealing with your company from day one!"
- S.B. from Bostic, NC
"It has been nothing but a pleasure to deal with Lightstream. Simple, efficient process and no nonsense. Thanks for having such a great system for finance."
- P.Q. from New Hyde Park, NY
"Thanks so much for the birthday wishes; GREAT customer service!"
- W.M. and M.M. from High Point, NC
"This is wonderful! I always do paperless transactions when I can, but this time I'm happy to know something wonderful is happening because of it! Thank you for caring about our environment, LightStream!!!"
- A.B. from Albuquerque, NM
"I just wanted to thank you for making this process so simple and quick. This is by far, the best experience I've had with any lender - EVER. I can finally see the light at the end of the tunnel thanks to you."
- J.K. from Orlando, FL
"Thank you, as well, for a very stress free loan experience. I have used LightStream twice and I will again."
- F.M. from North Palm Beach, FL
.....WOW...this process is AMAZING!
I had checked one other company prior to finding you (simply by searching), and after the call I said to myself, "There's GOT to be an easier way to do this" 😁
Now, my WIFE isn't quite as thrilled as I am however...imagine that! Lol"
- K.K. from Lexington, KY
"Wow! I am very impressed with the service I received from your company today. Even more so at how quick and easy I was able to get approved. Your rates and terms are great. Plus, the whole loan experience is one to be reckoned with! I'll be sure to recommend your company to anyone I know in need of your services, and happy to express my thoughts on your site for all to see. Thank you!"
- E.B. from Homestead, FL
"Thank you! We have been so pleased with Lightstream--it was so easy to get the loan, and it's just been a seamless process the whole time. Thank you for the loan!"
- G.W. & C.W. from Ridgecrest, CA
"If you can qualify for a LightStream loan, they're awesome. I just bought a new car with a LightStream loan and the process couldn't have been easier. I applied online and they called me 45 minutes later and asked me some follow up questions. Half an hour later, I was approved and I had the money in my checking account the next day. Since it's an unsecured loan, you can just tell the dealership you're paying cash, which makes the buying process simple and quick, too. LightStream gave me the best rate I could find, by a good margin…"
- B.P. from Cameron Park, CA
"At this point I want to thank you for helping me make this as smooth a transition as possible. It has been a great help to me and hope to always use lightstream in the future."
- A.C. from Longs, SC
"Thank you so much for approving our loan; this was the easiest and fastest loan approval I've ever experienced. Customer service was also superb! I will highly recommend your website to my friends and family."
- T.N. & A.N. from Ellicott City, MD
"I applied for a LightStream loan and it was an excellent experience. I sent them an email asking them some questions about the application before I actually applied. They promptly emailed me back and answered my questions. After that I went ahead and submitted my application and I had an approval within an hour and they deposited the funds into my checking account later the same day. I would highly recommend them to anyone looking for a car loan."
- M.B. from Mendon, UT
"…This was the best loan experience I have ever had through several cars, houses, and various other items. I used the loan to purchase a 1967 Chevelle. I was approved almost instantaneously, had the funds wired to my bank account exactly when I asked, and was able to purchase the car without a lien on the title. Who could ask for more? The whole experience was absolutely fantastic. It almost felt like one of those "too good to be true" things, BUT, it was true…"
- R.W. from Gilroy, CA
"I just wanted to say that this has been the quickest and most non-hassle loan experience I have ever had. I was paying an interest rate almost three times as high as what LightStream offered me. I'm very happy about everything and I will definitely recommend LightStream to friends."
- R. H. from Brooklyn, NY
"This is a great website. Very easy to use and everything you need is here. Good job. It is a pleasure doing business with you."
- R.C. & C.C. from Palmyra, VA
"WOW, I cannot believe how incredibly easy your loan process is. Great rates. I can have the money deposited to a different account than the loan repayment will be deducted from. I get to choose my due date. I even get to choose WHEN you'll deposit the funds. Thanks so much for making this so easy!"
- E.S. from Westminster, CO
"I just wanted to send a note of thanks for approving my loan which allowed me to obtain my dream car, a 1956 Ford Thunderbird. Within 48 hours of applying I had the money in my account to make my purchase. I would recommend LightStream to anyone considering financing a collectible automobile."
- S. S. from Evans, GA
"We are so pleased to be involved with a company that looks out for our fragile planet and it's finite resources. Thank you for caring about the earth and planting new trees."
- M.S. & K.S. from Waldron, AR
"Wow! What great service. I have been in banking and equipment finance for almost 40 years, and your company is doing an awesome job of creating and executing excellent customer focused lending. Keep up the good work and always remember to maintain excellent credit requirements. I would come back to you the next time I have a need."
- S.B. from Sarasota, FL
"I recently got a used car loan through LightStream. I want to write a review explaining how great this process was. LightStream lends affordable rates, with ease. My credit is excellent, but no local banks would lend on a vehicle 12-years-old, or older… The best part is that my APR went DOWN from my current payment .5%, and the monthly payments went down $150, and my overall vehicle debt went down $4,000! What a deal! Thank you for lending based upon good credit history. This is an amazing business model, and great customer service; thank you again!"
- K.O. from Carrollton, TX
"I just wanted to say LightStream is awesome! The loan process was so easy! Thank you for helping us consolidate! We appreciate the online process and the respect we were given because of our good credit history. We will certainly be a long-time customer of LightStream!"
- D.L. & J.L. from Jefferson, TX
"Just want to say, nice website, good customer service...and an overall excellent business model."
- J.C. from Cardington, OH
"Really like the web experience for scheduling payments and seeing the amortization table. Nice job. Thanks."
- P.R. from Ann Arbor, MI
"I just want to thank you for providing the easiest loan process I've ever encountered. I work hard to maintain a high credit score and as your business puts it, you reward us with businesses like yours. I have already told family and friends of your wonderful service and look forward to becoming a repeat customer. Keep up the great work…Thank you again."
- A.M. from Hernando, MS
"...I want to say thank you for sending me a happy birthday email. It brought me a small happiness today. I'm grateful for that. It is a nice customer service touch."
- D. T. from San Jose, CA
"This was an extremely smooth loan transaction. We will definitely plan to use you in the future! Thank you very much!"
- N.S. & V.S. from West Harrison, NY
"I want to thank you for the auto loan. Mostly I want to comment on how very easy your entire process was for me to apply, secure and disperse the loan. Couldn't have been any simpler or smoother. Thank you very much."
- P.B. from Woodstock, CT
"I cannot say enough about my experience with LightStream. Within three days of applying for a new car loan I had my funds in the bank. The online application process was seamless and the follow-up for additional documentation was effortless; and within a day of my loan being approved, my funds were wired to my account. The sweetener came with the interest rate that was offered... 3% on a 72-month loan... A+++++"
- B.L. from Phoenix, AZ
"Just wanted you all to know that I really appreciate your service. It is nice to know that good credit means something in today's world. The experience you have provided me and the service you have provided me and my family has been exceptional. I will admit that it is exceptional mainly in that it has been painless. The amount of time I saved by using your services is priceless because I can get on with living instead of dealing with financial red tape. Well done!"
- T.T. from Pacific, MO
"We just wanted to thank you for giving us our loan to do IVF so we could be parents. We had a healthy little boy on March 9... Without this loan, this would not have been possible. Thank you so much!"
"…I also wanted to say I have never had a more pleasant and painless loan process before using LightStream."
- R.T. & G.T. from The Woodlands, TX
"Thank you very much. Your company has been a class act since my first loan. All communications whether via phone or email have been wonderful."
- L.M. from Newton, NJ
"It’s a very nice experience using this new loan system. Finally a bank that trusts its customers who know how to handle their finances. Thank you!"
- M.O. from Oviedo, FL
"You guys are great... Thanks you for a straightforward loan process. I really appreciate it."
- P.G. from Chesapeake, VA
"I can't say enough about this company and their customer service. My wife and I found them by chance back in 2013 and since then we've closed four auto loans totaling $60,000. The first was a refinance which saved 2.5% and hundreds over the life of the loan. The process was so seamless that we refinanced another vehicle about two weeks later. It seems that they value repeat customers and consider their payment history, as the subsequent loans were even easier and quicker decisions; within hours in both cases with little to no documentation required… It seems that most of the negative reviews are from those who were denied. What I'll say is that the customer service is second to none and if you establish a relationship with them (even if it's via the internet) they will deliver in a way which other lenders cannot."
- S.V. & N.V. from Estero, FL
"I can't say enough about your staff. I have had many cars and loans in my time and I wish it could always be easy and organized. Everyone is always very polite, knowledgeable and you have the best rates. I will recommend your services to all my friends and car buddies. Thanks again for helping get my dream car in my garage. I absolutely love it!"
- P.S. from Peoria, AZ
"I cannot say enough wonderful things about this company or their process. I applied for a $17,000 auto loan, and was approved within three hours, at the lowest rate they offer (which I had convinced myself would only be available to people with 840+ credit scores. Once I received my approval, it was so simple to go in, select a deposit date, and select the beginning repayment date. This process was so seamless, so easy, that I almost feel like I cheated the "system." I will be recommending LightStream to all of my friends, family and co-workers."
- S.L. from Dunmore, PA
"Your application process is so simple and customer service team is just great. I cannot say enough good things about your company. I will let others know, in person and online, about how great your services are."
- J.S. from Rehoboth, MA
"This is my first experience with LightStream... love it! I will use you again and again for all my future projects."
- P.M. from Haskell, NJ
"I wanted to say how pleased I was with this whole experience. Reading the reviews, you look good, but once I started working with you, you’re GREAT! I have never had such an easy time working with a financial institution, and your support staff made it quick and easy. I also could not believe that you answered my first email within 30 seconds. That is great customer support! The loan process was simple and FAST! I emailed a few questions and got a call from Michael. The other thing I learned was that most other loan companies, no matter how good, had some nearly hidden fees. Most were in the form of an origination fee that was deducted from the loan amount or in hidden interest. Usually where the interest rate was 9.75% but the APR was 11.78%. When I asked I was told those were fees for loaning the money. I was pleased to hear directly from email customer service that there were no fees and no hidden interest rates. Over all you get a 9 of 5 stars for complete customer satisfaction… I could not ask for a better experience."
- C.P. & K.P. from Olive Branch, MS
"Want to thank you for making my loan so easy. I wanted an antique car (Trans Am) and your team made it come true. One phone call, a few questions, and after a few hours I was approved. Thank you again!"
- O.Y. from Stonefort, IL
"I want to thank LightStream for the excellent job and treatment toward my loan that I needed to fix my teeth and pay off my credit card. Everything is on cruise control, kudos for all personnel who do a great job every day. You got me hooked for future loans. Once again thank you."
- F. Y. from San Antonio, TX
"To the helpful people at LightStream: First off, thank you for redefining the loan process. I was amazed at how easy everything was. It was great to actually feel trusted by a bank, and I loved having the power of a cash buyer… Keep up the good work!"
- D. A. from Silverdale, WA
"I absolutely LOVED your used car loan process. Your concept is perfect and I just can't stop telling friends about it. The dealer told me there was no way I could beat his best interest rate from one of 10 companies. You helped me prove him wrong. Not only was he impressed that I beat him by a whole percentage point but also that it was unsecured debt and the money was available the next day. Plus, it was fun writing a personal check that large and to have them visually verify that I had the money in my account! He said he'd keep you in mind for when his son starts driving and he needs to buy a car for him. You guys are simply amazing. Thank you so much for thinking outside the box to make lending easy for those who use it wisely!"
- M. S. from Olathe, KS
" You all have the best customer service! Thank you!"
- D. M. from Forest Lake, MN
"Wonderful! Thank you and we have already referred you to friends. Very happy with your service."
- C. P. & N. P. from Webster, MA
"Thank you for this utterly painless, streamlined transaction! What a breath of fresh air. In addition to the competitive rate, your customer sales associate Krista was smart, friendly, and efficient. This was the most efficiently processed loan we have ever obtained, hands down. We will tell everyone we know about LightStream."
- M. K. & K. K. from Sherman Oaks, CA
"Whoever is handling your customer relations is doing a great job. My future loans will come from you…"
- N. T. from Hermitage, TN
"I really appreciate doing business with you. Perfect customer service."
- S. F. from Greenville, SC
"I would just like to say thank you for making this process seamless. You allowed me every avenue to make paying off my high-balance credit cards complete. I'm so happy to be closer to my goal of being debt free and LightStream is to thank for it."
- N. A. from Denver, CO
"You are simply awesome and easy to deal with. Thank you so very much for making a dream come true."
- D. C. from Coupeville, WA
"I just wanted to say this was the easiest, smoothest, hassle free loan I have ever applied for. It is rewarding for people who have good credit to not have to jump through hoops to be approved. Thank you."
- T. A. from Graham, NC
"… I have to tell you,I have owned 13 cars during my lifetime. I have financed perhaps 80% of them. This BY FAR has been the most pleasant process EVER. Thank you so much :)"
- C. O. from Reno, NV
"Easiest process ever! Submitted application, received a call requesting pay stub to verify income and was approved within two hours of applying. Got an amazing rate on a new car purchase and couldn't recommend them enough…"
- R. S. from Cayucos, CA
"I have to respond to this confirmation just to say I cannot remember when I have been so impressed with the efficiency, simplicity, and design of anything! The period of 30 days is perfect. This is a very good deal for the boat I want, but is not confirmed as of yet. Wanted to secure the funds ahead of time. I will definitely return to your site for future needs, and recommend you to anyone who might need your services."
- D. M. from Newport, NC
"… I applied for an auto loan, received approval a day later, and funds were added to my account the day after approval.
I spent maybe a total of 12 minutes between submitting the application and speaking to your customer service rep on some clarification questions. I can't even drive to a bank in 12 minutes.
And you got me an unsecured loan at 1.99%... no back-and-forth emails, no lien-holder paperwork, no antiquated snail mail of forms, no dealing with time-draining dealership finance people and processes: No BS. You guys figured out EXACTLY how a good loan process should go and made it happen: modern (i.e. electronic), simple, efficient and effective.
Just a great customer service experience, wow. Well played LightStream."
- J. K. from Idledale, CO
"Thank you so very much [for the birthday email]! This is so very nice of your company to do this kind of thing for their customers. I have been more than happy with the service and the kindness we have received from you since we financed the truck through you. It was so easy, fast and painless. We would definitely go through you again. And you have proven that there really are human-run companies out there still. LOL! Thanks again! Have a great day!"
- R. P. & D. P. from Philmont, NY
"I want to THANK YOU ALL for the best loan experience I've ever had!"
- T. G. from Mohrsville, PA
"… absolutely the best loan experience I've ever had. Thanks for making everything so seamless. Great job!"
- J. O. from Cincinnati, OH
"Thank you to all involved, everyone was very easy to work with and I appreciate that very much. This has been a very easy and pleasant experience."
- K. M. from Ashtabula, OH
"I would like to say what an awesome and easy process this has been so far. I've been able to purchase the vehicle I have always wanted because of you guys, so thank you."
- A. L. from Orlando, FL
"In this fast-paced and sometimes impersonal world, I was extremely impressed by today's auto-loan application process and your agent's timely and professional response. Unfortunately, the process happened so quickly, I did not write down the name of the female representative who telephoned. For the record, and anyone in management viewing this email, please accept my sincere appreciation and please extend kudos for her professional, personal service, and first-class representation of your company. I will definitely share this experience with others!"
- S. G. & R. J. from Dallas, TX
"Hello. I just wanted to pass along some praise. We recently acquired a loan from LightStream for the purpose of consolidating our high-interest credit card debt. We are absolutely thrilled with how quick and easy the entire process was. The communication was wonderful, as well. We got a fantastic rate and we couldn't be happier! Thank you so very much!"
- J. V. & W. V. from Edgewater Park, NJ
"Just wanted to let you guys know that this has been the absolute best loan experience I've ever had, thanks."
- A. R. from Beaufort, SC
"Thank you. I can't believe your company and how easy it is to do business with you. It was a pleasure to borrow money with no hassles and low interest. Amazing. Why don't other companies (banks) behave in this civilized way?"
- S. C. & R. C. from Denver, CO
"I was just approved and received my LightStream loan, rapidly and successfully. No single word can describe how positive my experience with LightStream has been thus far. The purpose was to finance a classic automobile... Upon my initial research, yet it seemed it would be a bit of a process as well as crazy high on the interest rate. With LightStream, I was able to perform most document transactions via electronic form. It was extremely pain-free, easy, fast, and to the point, with only one brief phone interaction. I was able to obtain the full amount I asked for, at a super interest rate. I just wanted to tell you how pleased I am to have found you guys. I really hope that you will be around for A LONG TIME soon as I am ready to apply for my next loan. Thanks a million!"
- J. C. from Corona, CA
"Your business model is amazing. Admittedly, my credit is spotless but to get a $17,000 unsecured car loan in 15 minutes is truly almost beyond belief. At a regular bank I would still be waiting for the proper person to talk after 15 minutes. Very well done! Thanks."
- A. H. from Wooster, OH
"I cannot emphasize enough how simple, convenient, and painless accessing a home improvement loan through LightStream was. I applied for a $35,000 loan to do major interior work to our home; I was initially drawn in by LightStream’s interest rates, which were so much better than those offered by my local bank and credit union, even for those with excellent credit. I was skeptical, assuming that no one actually qualified for the lowest rates indicated on LightStream’s website. Holy cow was I wrong! The entire process, from applying online, to submitting a pay stub for wage verification, to having the funds in my account was less than two days! And I was offered the lowest rate listed by LightStream for the loan term I requested. I cannot say enough how wonderfully simple, efficient, and uncomplicated this process was. Thank you, LightStream!"
- V. P. from Pierre, SD
"A quick note to everyone at LightStream, you guys have been amazing… You really stand behind the fast and simple process. I constantly recommend you to everyone. I appreciate the quick response and friendly customer service that both my husband and I get every time we call. In fact, we had originally been declined for this second loan and after talking with one of your customer service reps they helped us get the funding we needed. They didn’t have the attitude 'there is nothing we can do for you' we got 'let’s see how we can make this work.' YOU GUYS ROCK!
- E. T. & K. T. from Maricopa, AZ
"My experience with the LightStream team and service has been thus far has been stellar!"
- M. S. from Kennesaw, GA
"I wanted to let you know that this loan experience was the most pleasant and hassle-free process I've been through. Thanks for making this a simple, straightforward process."
- J. J. from Okeechobee, FL
"…. LightStream was wonderful to work with and I really like how easy navigating your web page is. Very easy to get information."
- R. E. from Garden City, KS
"I have to give LightStream a LOT of credit. My wife and I started our application at around 6:30 on a Friday night. We were approved by 7 p.m. I couldn't believe it -- the company asked for additional documents and we were able to provide them right away. Today is Tuesday (before 8 a.m.) and the loan is funded with the money already deposited into my bank account. That's less than two business days. I did talk to a rep on the phone Monday; someone had called to clarify something on the credit report so we called back. The call was very quick and the gentleman I talked to was friendly and helpful. I didn't even have to wait on hold for someone to pick up. Other companies get A+ ratings but seriously LightStream is one of the few companies that really deserve it."
- T. B. from Portage, MI
"I was recently denied a loan. I am not upset. It was clearly explained to me in a very professional manner. I just wanted to thank LightStream and its employees for such a professional experience. I hope to be able to do business with LightStream in the future even though this attempt did not end as I had hoped. Rest assured it did not leave a bitter taste behind. I thank you for that. Have a great weekend."
- J. H. and S. H. from Overland Park, KS
"I want to say 'Thank you all' as well. It was really nice to be able to do this loan process from my home. It’s a wonderful service that I hope you will continue to have available in the future as well. It really was an easy process that you offer… I think that will put you ahead of the competition. Thanks!"
- J. O. from Greenville, SC
"This is the best lending experience I have ever encountered...."
- R. A. from Huntington Beach, CA
"Just wanted you to know that our auto refinancing was a straightforward and 'painless' experience… thanks for making this a pleasant experience."
- L. S. and J. S. from Land O' Lakes, FL
"Your process is fantastic for the car loan product.... It was quick and easy... loved it...."
- D. M. from Woodland Hills, CA
"We recently completed a debt consolidation loan with you and were so impressed on how quickly and less painful it was to apply and get an approval. I have been in the banking industry for 30 years so I am well educated on the hoops some institutions make you jump through to get a loan. We were so impressed that we decided to upgrade to a new car, so I applied this morning for a used vehicle loan. Incredibly, five hours later I received an email; you had two simple questions and didn't need further income documentation since you already had it on file. About 15 minutes after that call, I received the approved loan email; that's just incredible."
- R. M. and C. M. from Wallkill, NY
"Our experience with LightStream has been outstanding. We couldn't have been happier both with your decision and the speed with which the transaction took place…."
- F. B. from Beverly, MA
"How amazing this process was. I expected it to take weeks and take a lot of documents for proof of income and other financials and was shocked I got an approval so fast and so hassle free. Thank you, LightStream."
- S. O. from Locust Grove, VA
"First I want to say this was in fact the EASIEST loan transaction ever! I have truly found a new lender. Thank you for making my dream of owning a pool come true in just one day!"
- B. W. from Philadelphia, PA
"Thank you very much. Everything your website says is true. I can't believe how fast and hassle-free this loan was. Keep up the great work."
- W. H. from Daly City, CA
"Thank you so much! Two days from start to finish. Absolutely the most painless experience I've ever had getting a loan."
- B. B. from Davidson, NC
"To whom it may concern, I just recently received a 15k loan from you online and wanted to say it was one of the easiest and painless loans I’ve ever done, so thank you for that."
- B. S. from Carver, MN
"You guys are great on customer service!"
- K. C. from Marietta, GA
"First -- I wanted to thank you for the best car loan experience I've ever been through (and I've bought a lot of cars!). Application and approval process was wonderful."
- D. K. from Chanhassen, MN
"The loan process with your company was one of the easiest and most accommodating loans that I have ever done. From the application to the processing to the quick funding and easy payments. That all along with a great interest rate. I just wanted to say thank you and I have already recommended you to others and will continue. Thanks."
- M. B. from Rahway, NJ
"Your loan application process has to be by far the most amazingly simply and efficient experience I have come across. The two times I spoke with a representative were very pleasant and basically your company "cut right to the chase" with asking for what they needed... I provided it...and my loan was approved and processed in record time. I cannot begin to express my satisfaction with your company and how it works. I look forward to dealing with you in the future and if there is some area where I could post this positive message to the public, please let me know! Thank you so much!"
- C. K. from Hop Bottom, PA
"Thank you so much [for planting a tree], what a wonderful gesture and idea! I cannot stress enough how glad we are to have found your company and the loan services you have provided to us. We will definitely be doing business with you in the future, thank you again and thanks for the awesome e-Greeting too!"
- C. M. and L. V. M. from Ansley, NE
"By far, the quickest turnaround, and best customer service we have ever experienced from a loan company. Within four hours we had approval, the documents signed and in under 18 hours the funds were in our bank. Thanks to LightStream/SunTrust Banks, we were able to purchase our classic car before someone else did. We have purchased many vehicles over the years and we have never dealt with an easier loan process, uncomplicated, and just lightning fast. We will be back and will tell everyone we know about your services. Thank you."
- N. C. from Waxahachie, TX
"Wow -- this is one of the easiest things I have ever done. Congratulations on developing a smooth and customer friendly process. I'll certainly recommend you to friends and family."
- G. S. from Charlotte, NC
"Wow, just completed my loan for a new boat with you guys. Whole process was about 2 hours. Perhaps the most painless ever. Kudos."
- D. L. from Easton, MD
"Wow, very impressed how fast you guys got back to me, given no phone number on the site. I'm impressed! Thanks for the quick answer!"
- C. J. from Raleigh, NC
"We applied for a loan for a new roof & home repairs today at 11:30 am. At 1:30, we had our approval and the money was deposited the next day! The interest rate was great & we couldn’t be happier!! Thanks so much!"
- B. G. from Middlesboro, KY
"Just wanted to drop you guys a note and say, thank you. I have had an excellent experience using your services twice now. It’s great there are still lenders out there that value good credit and good customer service. You Guys Rule, and I look forward to using LightStream in the future for loans."
- R. K. from Auburn, MA
"I was very pleased with the ease of getting a loan with you. Thanks and I look forward to working with you and letting my friends know about the great service I have had so far."
- J. S. from Rosamond, CA
"Love LightStream! You made it easy to fund our new purchase of a 2006 Corvette from a private party. A loan that most companies won't fund. We love that you offer loans on the unconventional [purposes] from weddings to home repairs to cars that don't fit in the traditional boxes that traditional lending companies won't touch. Plus, being green and paperless and planting a tree in honor of the loan! That's awesome. Great company! Keep up the great work!"
- S. C. from Lees Summit, MO
"Thank you for a great experience. I will use LightStream again, and have already told several people about your company."
- J. P. from Los Gatos, CA
"Thanks for the prompt response. Your product is well run and if we should need it again I hope you will be available for us."
- C. H. & D. H. from Fort Myers, FL
"Thank you for approving my loan request, but most of all for your professional follow up."
- H. M. from Milton, GA
"Thanks so much… you guys are the best and full of light!"
- P. L. from Yucaipa, CA
"I just wanted to say how wonderful the customer service I received was. After a few times of calling and asking a million questions, I received the best customer service! When in a crazy situation and not in the best of moods, the last thing I wanted to hear was someone else grumpy on the other end of the line but it was FAR FROM Negative! Very awesome and I will definitely recommend LightStream/SunTrust to my friends and family! THANK YOU!"
- J. C. & J. H. from Lakeland, FL
"In all my years of doing business with banks, yours is the best and second place isn't even close. Don't change anything. Your customer reps are friendly, professional and courteous. Your website is one of the easiest I have ever used for anything. I don't know what else to say, except you're doing a fantastic job."
- F. K. from Burt, NY
"My experience with LightStream has been nothing short of amazing. Thank you so much!"
- J. C. from Dallas, TX
"Thank you for the prompt response. I am a Chief Lending Officer, and have been in this business since 1985. I have to tell you this was the most painless, expeditious and easy process for a loan that I have ever experienced. Thank you."
- F. F. from Phoenix, AZ
"Your service has been incredibly easy to work with, the approval came back very quickly, the rate is super competitive and I am impressed with the follow up and follow thru communication - don’t change a thing based on my brief experience! Looking forward to doing more business together in the future as well."
- W. P. from Longwood, FL
"I just want to take this opportunity to thank all of you for the way you have handled this loan experience for us. I have been around for a long time and have been involved in many loans over my adult life, including mortgages, car loans, personal loans, educational loans, and a few more, and have never had a better organized, and helpful experience then this one with you all. It was totally professional, informative, and comfortable. Thank you, and we look forward to working with you in the future."
- W. B. & L. B. from Kingwood, TX
"I want to thank you for an incredible user-friendly loan application experience. Every detail was seamless, will definitely refer you to my friends and be another customer I'm sure sometime in the future."
- S. S. from Moorestown, NJ
"Thank you. I am referring a friend to you who is interested in a similar loan. I told him how our experience was very user friendly and prompt. The customer service was exceptional."
- M. T. from Southbridge, MA
"Too good to be true? I guess we will see. So far this experience has been outstanding. We have excellent credit so perhaps that is the difference - in which case I thank you for recognizing and rewarding that. This has been the most efficient financial service that I have ever encountered. Will certainly look to you first if we have additional financing needs. Thank you."
- K. G. from Winter Garden, FL
"I am so impressed with LightStream's customer service. Thank you for all of your quick and thorough responses. Have a great day!"
- C. S. from Hoboken, NJ
"Thank you, LightStream/SunTrust. You have been very professional and the systematic approach you use is very effective. Thank you very much."
- D. M. from Evans, GA
"I recently used your financing for an auto loan. This was because my bank told me it would take 4 days and 2 more after that for approval and funding of my loan. Really!? So I Googled and found LightStream. I applied and was approved within the hour and funds deposited next day. I was very impressed with your service as well as your extremely helpful employees. So much so that I went ahead and refinanced my other 2 loans through you. Just wanted to give you a compliment on a job well done. Thanks."
- T. D. from Ypsilanti, MI
"Thanks so much for your efficient and quick reply… your customer service is excellent!"
- P. L. from Yucaipa, CA
"Thank you. I just wanted to say I appreciate your service and friendly and helpful representatives. You all made this process smooth, easy, and haggle free. I also look forward to doing business in the future."
- D. K. from Florence, AL
"I am extremely satisfied with your services. The loan process was easier than I had anticipated and quickly processed. It was a pleasure doing business with your company."
- G. J. from Senatobia, MS
"My husband and I took out a loan to pay for infertility treatment, IVF. We initially borrowed $20,000. We are done with treatment and are pregnant!"
- Anonymous testimonial from another satisfied customer.
"I've paid a lot of bills from many different websites and your LightStream page is the most efficient and navigable out there!!
- K. N. from Damascus, OR
"Thank you for planting the tree for us!! We love trees and plant one for every occasion--birthdays, anniversary, in memory....etc. Happy Tree Planting!"
- D. B. & C. B. from Sherrills Ford, NC
"I am extremely impressed with LightStream. Not only in the interest rates, but the entire process was amazingly easy, fast, - simply impressive. I will definitely share my experience with others, and utilize LightStream in the future for any financial need."
- R. R. from Henderson, NC
"You made my car-buying process so much faster and gave me an instant negotiating tool (i.e. being able to buy cash). When I called customer service the process was extremely efficient. Your associate was friendly, understanding and well-versed in your product details. She gave me information I needed about how to make extra payments (which can conveniently be done online); what to expect with the loan payout; and how to re-amortize the loan if I made extra payments…. I look forward to doing business with your reputable organization again. Our new to us (used car) is exactly what the family needed to feel safe on the roads and it was at a great price thanks to LightStream loan funding..."
- R. T. from Fort Myers, FL
"This has been the easiest loan process ever… it is really wonderful not to have to deal with the finance people at the dealership — always a very wearing process — and have this clarity up front. Your communication and speed of processing/funding is very impressive. I know exactly what to expect and when to expect it. The website is simple and easy to use. Well done, I'll definitely recommend you to friends…"
- A. M. from Pawtucket, RI
"We are very happy for the services that you have provided for us. It is so rare these days when a banking institution like yours does every thing so smoothly and as a matter of fact, in the near future, we look forward to having your bank handle all of our needs....again thank you."
- T. M. & P. M. from Bradenton, FL
"This is the easiest thing I have ever had to do."
- M. S. from McHenry, IL
"You guys are fast- I’m very impressed!"
- A. M. from Pawtucket, RI
"You are truly a great company to deal with! Thanks so much for all you do and for planting a tree for me."
- R. R. from Palmyra, PA
"This is really cool that [you plant a tree for every loan] when your customers choose paperless billing! Thanks for being an environmentally conscious company and for going the extra mile. It was totally unexpected that you would do this. On top of your great loan rates, this is another reason I will recommend your service."
- T.M. from Taylors, SC
"...on a side note, and as a Customer Service Manager myself, I would be remiss if I didn't convey how impressed I have been so far with your process! Thanks again!"
- M. B. from Deerfield Beach, FL
"In over 40 years of applying for loans of all types, you folks made this the most hassle free experience…"
- G. H. from Loveland, CO
"Awesome, easy-to-use website, everything worked out great. Thanks!"
- J. H. from Saint Louis, MO
"Just completed my auto loan...and couldn't be more pleased. What a great, fast and simple loan application process. Thank you!"
- C. N. from Pagosa Springs, CO
"...I applied for an auto loan for a new car and their rates were better than dealerships and the approval was fast and easy.. and they even sent the money to my account direct deposit next day.. so i could go to dealership and pay for it.. great online view of my account also.. again best company ever!
- D. S. from Charlotte, NC
"This bank has provided the best loan experience I have ever had with any financial institution. You're doing a great job. Thank you!"
- J. G. & P. Q. from Addison, TX
"You guys have a fantastic product. Thank you for the ease of doing business with you and the very reasonable rates and zero fees. You are a pleasure to work with."
- A. B. from Orlando, FL
"No questions just comment. You are a wonder to work with. Easy and quick. Thanks so much for your help. You have made my life so much easier and worry-free."
- K. K. from Killeen, TX
"I just wanted to let you know your service thus far is outstanding. The process of obtaining the loan was straightforward, and fair. The payment structure is clear. The conveniences in terms of making extra payments, as well as automatically providing updated amortization schedules, amount to above and beyond customer service. I am very pleased, and glad to do business with your institution. Thank you."
- R. L. from Forest Hills, NY
"I attempted to deal with my local bank, where I have had accounts for many years, but they wouldn't lend on a car that’s older than a 2010 model. I went to another local bank, where I have had several car loans over the years. They wanted $165 for a “loan origination fee” and would charge 7.5% interest on the loan. I started the application process with them but every day they seemed to want more information from me. This went on for several days until I chanced upon your advertisement online. I was skeptical, as anyone should be with online transactions, but you turned out to be the real deal. Your application process was simple and the approval was almost immediate. The funds were available in a couple of days, deposited right into my bank account, and the interest rate was half of what local banks wanted. Thank you. Please feel free to use my compliments as a testimonial to your incredible service."
- L. B. from Sheffield Lake, OH
"I want to thank you for your immediate response. I am so impressed with my loan and your service! It is better than awesome!
Thanks so much!
- D. S. from Dallas, TX
"First off, a big thank you for helping our dream come true! Our local credit union couldn't even come close to offering the rate that you extended to us! Having a credit score I'm rightfully proud of, we were very disappointing that our local LONG TIME credit union was so far off target."
- J. J. from Brattleboro, VT
"...I love LightStream loans!!!!"
- R. W. from Appleton, WI
"….by the way, I was pleasantly surprised by how efficiently my loan was processed. I have to be honest, I had never heard about LightStream before I did some online searching, so I was pretty skeptical. However, since receiving my loan so promptly and without any hassle, I told my friends about it, they applied for a loan (much greater than mine) to consolidate some other loans and were approved after some necessary paperwork, they had an excellent experience as well.
I can assure you that so long as nothing changes, the rest of my loans will be processed through LightStream in the future, be it auto, refinance, whatever.
- J. B. from Richmond, KY
"Thank you very much. The application process was the easiest. Again, thank you so much."
- E. P. from San Marcos, CA
"So far quite impressed. Easiest loan I've ever had to deal with. Like the fact that I can easily make an extra payment without much hassle. Shocked at how quick and simple it was to apply for a loan and receive my proceeds."
- G. S. from Pelham, NH
"I just want to let the team at LIGHTSTREAM know that our experience with loan application to loan confirmation has been extremely positive. We were kept advised of the status constantly and the speed in which loan commitment was made was unanticipated and unheard off. It has been a true pleasure doing business with you."
- W. K. and C. K. from Port Saint Lucie, FL
"I applied for our loan yesterday and today we got funding! I just wanted to tell you how truly impressed I am with this loan process. I read your testimonials but didn't quite believe that it could be that fast and easy, but it was! Thank you so much for being so incredibly prompt and easy to work with. And thank you for offering such great rates for loans other lenders won't even consider. I am truly grateful."
- S. L. from Elizabeth, CO
"Wow, you make the lending program real easy and fast. Best service I have seen anywhere, anytime. Thanks."
- S. H. from Baltimore, MD
"Just wanted to let you know what an outstanding and seamless loan process you have. Not only did you have the best rate, but also the easiest loan application I have ever seen. Thanks again for the awesome experience."
- J. H. from Nacogdoches, TX
"First off, you guys are awesome. I just purchased a new Harley Davidson motorcycle and I had been going back and forth between paying for it outright and financing it. I didn't really want to hassle with financing, but I didn't really want to pay cash either. You guys made everything so simple and easy and provided great rates, too. It made the decision for me.
Feel free to quote me on that. Thanks again for your help.
- L. A. from Montgomery, TX
"First, I want to thank you for the loan that you gave me back in March of this year. The application process was super easy and approval literally came within 10 minutes. It was a truly awesome experience, thank you!"
- B. B. from Cairo, NY
"Wow, FYI, your customer service team is excellent."
- S. H. from Riverview, FL
"Cannot say enough what an easy process this was. I am super pleased."
- M. S. from Miami, FL
"Working with LightStream has been a truly enjoyable experience. I needed a short term loan for a home improvement project. The application and approval process was easy and prompt. I have recommended LightStream to several friends looking for short term loan. Thank you very much for your service!"
- W. B. and A. B. from Madison, AL
"Great experience. Simple website and approval process."
- M. S. from Newbury Park, CA
"We have been extremely happy with your loan services and hope to use them for our next car purchase in the future. Thanks for the great experience!"
- R. G. and C. G. from Brandon, MS
"Great service, great rates, thank you."
- J. G. from McAlester, OK
"Enjoyed the experience. I will be back."
- W. F. from Wappapello, MO
"I would just like to say THANK YOU for making this whole process completely seamless. I am going to make a point to review your service on other sites as well, but job well done! From the initial application, approval, funding etc., it has been such an easy process. I am going to recommend you guys to everyone I know! Thanks!!"
- C. G. from Phoenix, AZ
"Just want to say what a great and easy process this was. Loved your service"
- P. G. & J. G. from Anaheim, CA
"Your loan was the absolute lowest interest I was quoted! I am canceling my credit union account and possibly my [other bank] account and moving over to SunTrust. Your reps were a pleasure to speak with, professional and knowledgeable — wonderful, all three of them. I will tell all of my family and friends about LightStream, (I am) 100% highly satisfied. Please keep up the excellent work. Thank you for such a streamlined process…. I will be driving my 2006 Honda S2000 home from Tampa on Saturday. You have made me a very happy woman."
- K.S. from Orlando, FL
"How do I fill out a testimonial for LightStream? The refi auto loan I got was so easy and saved me money. It’s about time there is a good program for people who know how to manage their money. I can’t believe how easy it was. I’m telling all my friends."
- F.D. from Old Bridge, NJ
"Just wanted to thank LightStream for helping me fulfill a lifetime dream of owning a collector car. I now have the car of my dreams and can't thank you enough for making it happen. Your service is awesome and I am already recommending you to my friends, and the dealer I bought the car from.
An overjoyed 69 Camaro owner.
- R.P. from Mount Bethel, PA
"Our first experience with LightStream was great! I am amazed at how easy and fast the entire process was. We applied for a large loan for a swimming pool and thought it would take some time to get approved and funds in our bank account. We applied on a Saturday morning, and Sunday were approved, and could have had our funds on Monday, but we wanted to hold off until our contract was signed with our pool builder. We will recommend LightStream to our friends and family! THANK you!"
- D.S. from Omaha, NE
"LightStream is fantastic. I applied for a loan and had an answer within 20 minutes. The money was in my account in less than 20 hours. I can't praise you enough, you people are great. Thanks again!"
- P.S. from Painesville, OH
"Thank you. This process was perfect without any flaws. I highly rate this experience and am a new believer. I had never dealt with SunTrust, however for many years, I remember seeing the SunTrust name on numerous race cars and events. Thank you again and hope to continue for many years to come."
- J.C. from Harrodsburg, KY
"Just wanted to let you know how impressed I am with LightStream. The process is unbelievably simple and lightning fast. The rates are very competitive and everything, from start to finish, was efficient and professional. I could not be more impressed and will recommend LightStream, without reservation, to my friends and family."
- S.E. from Laguna Niguel, CA
"We applied at our local bank for a home equity line of credit for $75,000. Home taxable value $350,000, free & clear. Plus an apartment building with no debt but lots of income. Our credit scores are 775 & 780. No debt. Local bank got hung up on the apartment building leases forgetting we were applying for a HOME EQUITY LINE OF CREDIT for $75,000, less than the home's worth.
After 6 weeks, we found a 2008 Class A bunkhouse George Town 350 SE by Forest River with only 17,000 miles, excellent condition with many extras. List price over $125,000. We had most of the money but needed another $45,000 to close the deal. The local bank still undecided.
I went online and found LightStream, a Division of SunTrust. I began the application process at 4pm, approved 9 am the next day, money deposited into my local bank account the next business day. Unsecured loan! I could have saved myself 6 weeks of stress providing the local bank with 178 pages of documentation and waiting to see if...I refer others to LightStream!
- B.S. from Ann Arbor, MI
"Thank you so very much for the convenience of this loan process. Getting a loan has been easy and pain-free thanks to you guys! I so appreciate the timeliness of responses as well as the courteousness of the call center staff.
I would highly, highly recommend you to anyone I know needing a loan. Thank you and have a great day!
- K.A. from Simpsonville, SC
"Thanks for all that you did to make this loan a very easy process. It was as easy as 1,2,3 with no waiting. Thank You."
- P.T. from La Fayette, GA
"The loan experience with you was truly one of the best I have ever had! Thank you!"
- R.O. from Morro Bay, CA
"Thank you. I continue to be impressed not only with your excellent product offerings, but with your "presence." The website is wonderfully low-key and simple with a very personable manner of communication, and little things like the fact that you acknowledge this is our second loan with you rather than treating us as just another entry in your ledgers make a huge difference in that elusive entity called good will. I'm a fan and am regularly recommending you to my friends and colleagues who are in need of a loan."
- J.E. & H.E. from Pittsburgh, PA
"It has been such a pleasure to work with LightStream for an auto loan. Never has buying a car been such an easy process. It was very quick and easy to apply online and get a very rapid response. My SunTrust account was funded that very same day and I was able to take the car home. I will definitely refer other customers to your company. "
- E.B. from Miami, FL
"Thank you so much! This process could not have been more painless!"
- A.G. from Marlborough, MA
"Thank you. Your team is quick, friendly and the car is beautiful."
- S.C. from Palmdale, CA
"Just want to say thanks for the quick service and funding."
- K.M. from Houston, TX
"Sure enough the funds were in my account. I applied for a loan at [other bank] at the same time. I was able to apply, close, and purchase the car before [other bank] has even called me back to confirm the application. Awesome. Incredible. Looks like you guys will get to keep your $100 for the satisfaction guarantee."
- J.S. from Siler City, NC
"Hello LightStream. First, I want to compliment you on a wonderful loan experience. It was just great from the application through approval and distribution of funds. Job well done and thank you very much."
- M.L. from Marietta, GA
"This financing experience has been easy and fast beyond my wildest dreams. Your business model is exactly what people like myself always wanted but never had before. If the ‘other guys’ lose business because of LightStream, they deserve it – they are using business processes from the dark ages. I look forward to being a repeat LightStream customer and have already recommended you to a friend."
- D.D. from Westchester, IL
"This is wonderful! It has been a fantastic experience working with LightStream. Thank you!"
- J.B. and R.B. from Point Pleasant Beach, NJ
"Very pleased with the service, speed, rate and terms of our recent loan. Looking forward to using the service again."
- K.S. from Woodbury, MN
"Got my money. Will definitely recommend you folks, very friendly and efficient!"
- R.S. from Livermore, CA
"I wanted to take the time to thank you for making your process so streamlined and easy. I think this is the simplest process I have ever been through. It was fast, and filled with pleasant surprises from picking our funding dates, to changing our loan amount, to having a tree planted because we took a loan. That one I really liked! The few questions I had were answered quickly via email. I am in banking and wish we had a product like this, kudos on a remarkable job. I know where I am coming again when I need a loan."
- D.S. from Wallingford, CT
"...Please know that I found your service to be excellent and the process more simple than I would have imagined and that it is everything you advertise in simplicity of process and convenience. Should the need arise again, I would not hesitate to come to you first and have told several others already about how easy the service was to use and how incredibly quickly you all provided me an answer and a loan at a terrific rate. Truly amazing! Again, many thanks for all and I look forward to working with you again should a need for a loan arise! – Best to all!!
- T.B. from Miami, FL
"WOW!! I have never applied for a loan and had the process go so fast and smoothly. LightStream is amazing. My bank had me hopping through hoops and dragging out years’ worth of paperwork and spending countless hours on the phone with a loan officer, that one would think I was asking for a million dollars. I was beginning to think that having excellent credit didn't matter much now a days. LightStream made the loan process painless again. Thank you LightStream."
- P.F. from Donora, PA
"Let me say Thank You, Thank You, for the most hassle free loan I have ever had. The approval and funding service was incredible.
The interest rate for a personal loan is 2nd to none.
It was very easy to get set up and set to pay back this loan will save over $5,000.00 when I pay off my existing travel trailer loan set at 9.5% versus the loan you gave me at 2.99%.
Again thank you so.
- L.L. from Stuart, VA
"Just wanted to send you this note of thanks.
I have acquired several loans over the last 40 years and I can't say enough how pleasing it was to do business with your company. This was by far the best Auto Loan I have ever gotten. Everyone I talked to was very professional and courteous. Thanks again for making this extremely painless.
- T.F. from Salisbury, NC
"I had read a lot of positive things about SunTrust and the LightStream Loan, but I was still a little skeptical. 24 hours later and I am a believer. Best rates, best customer service and an UNHEARD OF turn-around time. Simply the best of the best. I hardly ever write to THANK a company for their service and product, but you guys were a pleasure to deal with, so thank you."
- T.A. and B.A. from Endicott, NY
"I just want to say this has been the absolute best loan experience I have ever had. Straight forward, easy to understand, and quick. Everything I could ask for, and I will definitely be coming back for all my future needs."
- M.N. from Durham, NC
"I have been meaning to send you a note to tell you how satisfied I am with the loan you provided to me. It was the easiest loan I ever received and the LightStream team made it painless. I just referred a neighbor to you tonight based on my experience with LightStream. Thanks again for making it possible for those who work hard, pay their bills on time and retain excellent credit ratings to be able to receive low interest loans."
- D.M. from Phoenix, AZ
"LightStream is the BEST! My personal bank was dragging out our home equity line of credit application. I went online and found LightStream. We were approved in less than 24 hours! Thank you for taking the stress out of buying our RV. We love it!"
- E.S. and B.S. from Ann Arbor, MI
"You guys are good. You are very easy to work with, very fast, and efficient. Being in customer service myself, I really appreciate it, and you have my recommendation. Thank you Again."
- D.P. from Braselton, GA
"Really love the service and people at LightStream. I will be back!!!"
- F.S. from Houston, TX
"Best loan company I have ever been with."
- R.S. from Niles, MI
"Great experience doing business with you! You will be my first choice for any future needs."
- P.G. from Hope Full, AL
"Regardless of the outcome, I am beyond impressed with the LightStream team’s prompt and thoughtful responses to, not only my application, but to my follow-up emails."
- K.H. from Charlotte, NC
"Hello, I am currently financing my vehicle with a Light Stream unsecured loan and can say with certainty this is the most pleasant financial experience I've ever had."
- J.M. from Laramie, WY
"I would like to compliment you on the innovative loan product that you offer. I have had an exceptionally good and pleasant experience from applying through the down-to-business phone call to evaluate my personal situation (new to the country) to loan funding. Your everything-paperless approach is exactly what matches my lifestyle. Congratulations!"
- M.D. from San Francisco, CA
"I just wanted to tell you all how wonderful and efficient you were. Thank you!"
- B.M. from Purcell, OK
"First, I wanted to say thank you for the painless loan process and approval speed. This is the easiest loan process my wife and I have ever been a part of. I wish all loan applications were this easy. I can't thank you enough. Your rates were the same as my credit union, but I can do this in the comfort of my own home. I am highly recommending your bank to all my friends and family. No more visits to my local bank or credit union for the type of loans you offer. Super highly recommended."
- H.R. from Mission, TX
"I just want you to know that as a prior banker, this is the most friendly and easy process I have ever gone through in my life to borrow money. If you are ever looking for a testimonial, please contact me. I know you have to have good credit - but even so - it is an amazing process. Thank you so much."
- A.E. from Wilmington, DE
"I am really impressed with your web service portal. I find it clear, concise, easy to use, and containing everything available to allow “self-help” if a question arises. Great job LightStream!"
- D.W. from La Quinta, CA
"I would ask that you pass this on to the staff that worked on my loan. I work in Afghanistan in support of the US Military and my wife is home going to medical school. So you can see that it would be very hard for us to stop and do a normal loan at our SunTrust Bank. From the start of the loan process, all the way through to the end, I have received the best customer service that I have seen in a long time. It is refreshing to be able to talk to people with such a positive attitude. I felt like I was sitting in the loan office of our bank that we have been customers with since 1999, and when you walk in they say our names. Again, I just wanted to let your team know they are outstanding!"
- D.M. and W.M. from Villa Rica, GA
"I love the program that you have and I hope to use you for many years to come."
- J.C. from Warren, IN
"It has been an outstanding experience! Coming from someone who works in the financial services industry. I have an excellent perspective of what great service is and what it isn’t."
- J.S. from Monroeville, PA
"So far I am amazed by your process and hope this will be the start of a wonderful loan relationship!!!!"
- S.M. from Wilmette, IL
"I cannot believe how easy this loan process has been. I was skeptical at first but seeing you were part of SunTrust bank so I applied. I have banked with [other bank] for years and I am seriously thinking about closing my accounts with them and opening SunTrust accounts because of this experience with you guys."
"Just wanted to thank you for making this transaction so smooth and stress-free. Your web site is so well designed and easy to use. I will recommend you to my friends in the future."
- M.A. from Santa Rosa, CA
"Your service was extremely easy and the funds were transferred early on the day of funding. Everything went so well, I think your group will be very successful with this program in the future. Thanks for planting the tree."
- F.S. from San Luis Obispo, CA
"Congratulations on doing an EXCELLENT job on the loan. It is incredible how little paperwork was required. You did everything you said you would in a very timely manner. I would not hesitate to use your company again or recommend you to others."
- C.K. from Stockton, CA
"I just wanted to take a second and say, thank you. The loan process with LightStream was unbelievably smooth. From the easy/short application, quick decision time, uploading docs and E-docs, to the funding date and picking your own payment date. There was not a step of the process that I could have hoped to go better. I have worked in banks and loan funding, and I have never seen a process this streamlined. I did a lot of research to make sure I was getting a great deal, and I was in no way disappointed. It's nice to see a bank that obviously has customer service as a top priority rather than just closing loans and collecting interest. When I called with questions on the loan I was greeted with an actual person as well. This was a nice surprise. Anyway, Just wanted to say great work, and it's appreciated."
- E.C. from Hawthorne, NJ
"Thank you so much for the wonderfully smooth and quick transaction. Pleasure doing business with you!"
- K.G. from Johns Creek, GA
"You guys are amazing. It was an absolute pleasure dealing with LightStream. First, you have the best rates. And you don’t ask for a ton of paperwork and everything is submitted electronically, so it’s simple. When I called to ask a question, you answered within seconds… not minutes, but seconds. I made about five calls and each person was extremely knowledgeable and pleasant. I never needed to be put on hold. And when I realized how good your rate was and how affordable the monthly payments would be, I called to ask about increasing the amount of the loan (but worried that I would have to start all over) and you advised that once loans are approved, they can be increased up to another $5K. So your business model even anticipates what people might want to do. I'm a marketing consultant to global companies, but you guys could give business classes to most companies today."
- L.N. from Weston, CT
"Thank you very much for making our loan application a very enjoyable experience. We have never dealt with any business that has been as professional and efficient as this process has been. Getting the loan has been so much easier than dealing with the boat dealerships. Most seem to not care whether they sell a boat or not, and that is not the case with your organization. You’re NUMBER 1! You put your customers first. I’m not too proficient with the computer, but your instructions were easy to follow. Thanks again!"
- D.B. from Westminister, SC
"I have to say, I am blown away at how easy this was to complete. You weren't kidding when you said it's guaranteed the easiest loan process ever. I thought dealing with our credit union in the past was easy, but this takes it to a whole different level."
- J.W. from Bee Cave, TX
"I just wanted to take a quick moment to say how great my experience with LightStream has been. After several months I have found the whole process very user friendly. Everything on LightStream's part has gone just as the expectation that was set.
Just wanted to give a quick note that I have found both the staff and the service provided stellar.
- M.J. from Milton, FL
"I want to thank LightStream for the excellent job and treatment toward my loan that I needed to fix my teeth and pay off my credit card. Everything is on cruise control, kudos for all personnel who do a great job every day. You got me hooked for future loans. Once again thank you."
- F. Y. from San Antonio, TX
Learn more about how LightStream loans can be used to finance:
At LightStream, we care about the environment and, more importantly, we try to do something about it. For one, we have created a virtually paperless consumer loan experience at LightStream. By eliminating paper almost entirely from the LightStream loan process, we not only save our natural resources but we save on expenses as well, better enabling us to offer you highly competitive interest rates.
In addition, for every loan that we fund for our customers,
we will have a tree planted in one of our country's fragile habitat communities currently under restoration.
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