What's the lowest Lightstream APR you've experienced?

Anonymous — Mon, 12 Apr 2021 20:20:10 GMT

Wondering who has been offered the lowest Lightstream APR, and the circumstances thereunder.

Amount? Term? What was your FICO? How much debt did you have when you applied?

Re: What's the lowest Lightstream APR you've experienced?

Anonymous — Thu, 10 Jun 2021 09:30:31 GMT

I currently have a $40k, 3 year loan at 2.99%. I applied for it as a car loan with no other debt. FICO in the low 800's.

My previous loan with them was for $32,500 for 3 years at 3.99%. I also applied for this one as a car loan and had an outstanding Lending Club loan at 50% util and about $5,000 in credit card debt remaining. FICO in the mid 700's.

My very first loan with them was in 2019 for $49,000 at 9.49%. I applied for this one as debt consolidation, as this was during my rebuilding phase. FICO in the low 700's with about $40k in credit card debt.

In my experience, they cared less about my debt and income and more about my resources for repayment. I was asked for my bank/brokerage statements on the first loan but not my income. For the two subsequent loans, they were funded without any paperwork.

Re: What's the lowest Lightstream APR you've experienced?

Tito1183 — Wed, 16 Jun 2021 19:45:07 GMT

What information did you have to provide on the vehicle being purchased?

topic What's the lowest Lightstream APR you've experienced? in Personal Finance

What's the lowest Lightstream APR you've experienced?

Re: What's the lowest Lightstream APR you've experienced?

Re: What's the lowest Lightstream APR you've experienced?