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LightStream customer service is experiencing higher than normal call and email volume with longer than usual wait times, and we apologize for any inconvenience. We urge you to review the below frequently asked questions prior to contacting us.

How can I request a payment deferral?
To request a deferral, please sign in to your account and visit the Account Services page to begin the process. If you have multiple accounts, please ensure you sign in to each account separately and repeat the process.
This option will not be available if you have already requested a deferral for the same payment period, your account is 90 days or more past due, or your account is set to AutoPay and your due date is within two business days. If any of those apply, please call us at the number noted on your account page to hear your options.

Will payment deferral negatively affect my credit score?
Payment deferral will not negatively affect your credit score, but is reported to credit agencies as a deferment and affected by natural disaster.
Does my deferred payment extend the loan terms or add to my final payment?
Any deferred payments will be added to your final payment amount and interest will continue to accrue, potentially resulting in additional interest paid over the life of your loan. However, you can make additional payments or increase your monthly payment amount throughout the life of the loan to avoid a larger payment at the end of your loan term.
How long can I defer my monthly payments?
You may defer up to six payments, but you will need to make the request separately for each month. Please submit your request at least three business days prior to each payment due date.
Can I make a payment during my deferral period?
You may make a payment during your deferral period, but please be aware any payments made during the deferral period will cancel any future deferral requests in place.
Can I lower my interest rate instead of deferring my monthly payment?
We apologize for the inconvenience, but once a loan has funded no changes can be made to the loan terms.  If you are an active duty service member, you may be entitled to a lower interest rate and other benefits. Please contact us at for further instructions.
Should I cancel my AutoPay once I’ve deferred my monthly payment?
No, please do not turn off AutoPay. LightStream customer service will defer your requested payment for you. Cancellation of the AutoPay feature will remove the 0.50% points discount resulting in a higher interest rate, and cannot be turned back on after the deferral period ends.
Customer Service Business Hours (Eastern time)
Monday - Friday: 9 a.m. to 8 p.m.
Saturday: Noon to 7 p.m.

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.

For every loan we plant a tree
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