App Profile: LightStream

Android / Games / Puzzles
LightStream
Installs:
Rating:
2.99
Total Reviews:
141
Top Countries:
US
< $5k
/mo
< 5k
/mo
Reviews: What People Think About LightStream
Dario K. in ATL
Rating: 3/5
I just downloaded the app today and pleasantly pleased with the look of the app but the navigation in and around the app needs work. For example, going in to edit profile/security questions/etc, the screen just hangs and doesn’t take you to those options to make changes. I tried on my iPhone 8 Plus and my iPad Air 4th Gen with the same result. I’m sure it could be fixed with a software update. I haven’t tried to make a payment yet as it isn’t due yet. Hopefully it will get more polish in the future. But I can still use the web page until then.
E-Baus
Rating: 2/5
The app is ok for general usage, a little outdated on the UI front and some touch/scroll points are not aligned well (thus inhibiting the UX) - But most of my information is presented with few omissions. What I absolutely can’t stand though is that our accounts no longer sync well with account aggregation services. If you use Mint or another service provider that’s integrated with Yodlee prepare for utter frustration. Found that I needed to re-authenticate with LightStream almost every two hours. Their service team advised, and I quote, “… the LightStream website did recently undergo an update where an extra security measure was put in place. Unfortunately, we are unable to revert this security update.” So, if you are responsible with your finances, and use these types of services, these people will use their inability to balance security with the UX to justify screwing with your experience in other apps. My company did this years ago and after immense backlash we whitelisted Yodlee’s IP addresses - something that LightStream could very easily do but apparently won’t. For that they get 2/5 stars.
DontFretBrett
Rating: 5/5
I have 2 loans thru LightStream. I was paying way too much interest on credit cards so I got a debt consolidation loan. The money was in my account on the date of my choosing and I paid the cards off immediately. Now my interest is 1/3 of what it used to be, I’m well on my way to being debt free, and my credit score shot up to the low 800s. One thing I wasn’t aware of is that if you pay your payment before you get your invoice and too early prior to due date, it counts as an “extra payment” and doesn’t count as your regular monthly payment. I called, reached customer service very quickly, and they got that applied towards my regular payment rather than having to make an additional payment. 👍🏻
About LightStream
The LightStream app helps you manage all your accounts in one place and makes it easy to apply for a new loan on the go. You can also:

• View all your LightStream accounts in one place
• Use biometrics to sign in so you don’t have to remember passwords
• Make fast, secure payments anytime, anywhere
• View your loan dashboard and your loan details
• Review loan payments and balances
• Track your loan amortization
• Check your loan payoff amount and date.

Download the LightStream app today and manage your accounts no matter where you are.

About LightStream:

LightStream is a leader in consumer lending with a variety of loan options including home improvement, auto, debt consolidation, and more. LightStream offers the best loan ever, guaranteed. You can apply for a loan at www.LightStream.com.

Your loan terms, including APR, may differ based on loan purpose, amount, term length, and your credit profile. Lowest rates require excellent credit. At least 11% of approved applicants applying for the lowest rate qualified for the lowest rate available based on data from 10/01/2022 to 12/31/2022.

Rate is quoted with AutoPay discount. Rates without AutoPay are 0.50% points higher. AutoPay discount is only available prior to loan funding. Subject to credit approval. Conditions and limitations apply.

Advertised rates and terms are subject to change without notice. Maximum APR for a LightStream loan is 26.49% APR. Loan terms range from 24 - 144 months depending on the loan type.

Payment example: Monthly payments for a $10,000 loan at 5.99% APR with a term of 3 years would result in 36 monthly payments of $304.17.

You can receive your loan funds the same day if that day is a banking business day, your application is approved, and you complete the following steps by 2:30 p.m. Eastern time: (1) review and electronically sign your loan agreement; (2) provide us with your funding preferences and relevant banking information; and (3) complete the final verification process.

See our Privacy Policy at lightstream.com/privacy-security for how we handle your information.

Banking and lending products and services are provided by LightStream, a division of Truist Bank. Member FDIC and Equal Housing Lender .
©2023 Truist Financial Corporation. Truist, LightStream, and the LightStream logo are service marks of Truist Financial Corporation.
File size: 149972992
Launched countries: US
Minimum OS version: 12.0
Release Date: 1603868400000
Published by Truist Financial Corporation
Website url:
Publisher country: US
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