lightstream loans, different kinds

[Anonymous]

Hi. Does anyone know who Lightstream pulls from when applying for different loans? Specifically, an unsecured auto loan from an individual, auto loan from a dealer, etc. Do they use different scores for different kinds of loans? Are there any other companies similar to this company, that would allow purchasing from an individual (secured is fine)?

Thanks!!

[iv]

EQ FICO 8 Classic, (or a double-pull of EQ and EX).

They do offer private-party loans, just at a higher APR than their dealer rates:

https://www.lightstream.com/private-party-auto-loans

Assuming you have the credit and income/assets, their process is really quick and easy, and the loan is unsecured - they don't want the title.  Apparently they also have a secured loan option if you don't qualify for their normal product.