LightStream Customer FAQ

To get a loan with LightStream, you start by selecting the loan type and amount you need. Next, you fill out an online application, which includes your personal and financial information. After submission, you’ll receive a decision, often within minutes. If approved, you'll review the loan terms and conditions. Once you accept the offer, funds are typically disbursed the same day or the next business day, depending on the circumstances. It's a streamlined and efficient process designed to help you secure the financing you need quickly.

If you become aware of unauthorized activity on your identity related to LightStream, it is crucial to act immediately. You should report the issue to your local law enforcement agency and the Federal Trade Commission. After that, you should get in touch with LightStream directly, using the contact information provided on the page you're currently viewing, to alert them of the situation and attempt to halt any unauthorized applications or activities.

LightStream does not provide loans for properties in trusts. Their loans are primarily unsecured, intended for purposes like home improvement, auto financing, recreation, family life, and debt consolidation, among others. It's worth mentioning that policy could vary, so it's always advisable to get the most accurate information directly from LightStream. However, to the best of our knowledge, properties in trusts do not fall within the scope of their loan offerings.

We're sorry to hear that you're dealing with this issue. LightStream takes security very seriously and would never send unsolicited messages to inform individuals of loan approval. Should you receive such messages, be particularly cautious and do not provide any personal or financial information. It's always best to directly reach out to LightStream through known, official channels for verifying any information about a potential loan. Be sure to report any suspicious activity to help protect yourself and others.

We're truly sorry to hear about your loss. As for the question, when a LightStream loan holder passes away, the responsibility of the account largely depends on the specifics of the loan agreement and the laws of the deceased's state of residence. Generally, the estate of the deceased will take responsibility for handling outstanding debts. It may be beneficial to contact a probate attorney to discuss your individual situation. To resolve the loan, the borrower's estate, a co-signer if any, or joint account holders may be responsible to repay the loan. Remember, it is important to notify LightStream as soon as possible after the death of the loan holder.