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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.