LightStream Customer FAQ

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.

LightStream does not provide an account management interface because they are a division of Truist bank that provides simple, straightforward loans. Once your LightStream Loan is funded, you effectively start to repay it and there won't be a balance to check. As for payments, you can set them through your own bank’s online bill pay service. You can also set up auto deductions from your account where the loan is funded to. For detailed account information or specific queries, you would have to reach out to their customer service.

To inquire about a new loan at LightStream, you need to submit an online application through their website. On the website, you'll find various loan options. Choose the one that suits your needs, and follow the prompted steps to apply. You'll need to provide some personal information, including your employment and financial information. After submitting, LightStream will review your application and communicate their decision via email. Within the email, if your loan is approved, you will also have your loan agreement that needs to be e-signed and returned to LightStream to receive funds. Please note, final loan approval is subject to verification of the information provided on your application.