Lightstream Personal Loan Approval

[Anonymous]

Got approved for a 10k lightstream personal loan today! After getting denied at several different banks and CUs. Including: penfed cu, avant, sofi, etc.. I was just so surprised after hearing how difficult getting approved for a lightstream loan can be. 

Background, average credit age 2 yrs 9 months, 15 inquirys, 18 accounts open and closed with 3 CCs 3k limits each and 2 personal loans mariner 3.5k, lending club 4.2k, one car loan, several installment loans (affirm). Lightstream pulled equifax with 678 score. 

[Anonymous]

Yes, I also heard Lightstream was difficult. What are the terms? What documentation or POI did they ask for?

[LakeLife]

This is the 2nd recent positive report about them on this forum.  If I ever find myself in a need for a low interest unsecured loan I will definitely look at them.  Congrats!

[wingennis]

I was also approved for 10k by Lightstream this week.  I was very surprised because I moved a week ago and my address should not have matched up when they ran my credit (EQ only).  I applied Tuesday evening and I received funds this morning.  The least stressful financial transaction I've ever had

[Anonymous]

No POI, terms were 48 months at 13.5% or 60-72 at 14.5%. Not great but better than everything else Ive been offered and much better than the 36% its paying off.

[Anonymous]

Thanks!

[huntersimp]

Do you know what version EQ they pulled?

[Anonymous]

Not sure, it doesnt say on the report. Just EQ and the score.

[Anonymous]

Congrats and thanks for the DPs! In about a month or two when/if my scores go up i'll be looking into lightstream as well. 

[Five6Two]

Loving these Lightstream approvals, wish I had taken the HP with them before going with Marcus by Goldman Sachs. Congrats, OP!