LightStream - Profile & Reviews

Don't know who to blame, Lightstream for running my credit or Suntrust. Either way, both of you guys are involved. I did not give permission to run my credit with suntrust, it was just a consultation appointment which I canceled on the same day. Besides my name and address, no social security was givien so how in the world did Lightstream run my credit? I guess when your company has money, you can buy info.

We did 2 loans 1 for AC and the other for solar. We had a 7 year loan and good rates. We decided to pay them both off early 4 years and tea apply for 1 large solar loan to get more panels and batteries. The rate they gave us was over 10%! Yet they say they will match anything as long as the terms were the same. Wheelhouse credit union offered identical loan at 6.25% we forwarded the approval to LightStream and they said nope we need a truth & lending statement! Well, we can only get one of those once we decide to move forward with wheelhouse and at that point why would we try and get LightStream to match! Very upset! Excellent credit! Paid 2 loans off early and this is how they treat repeat customers! We wouldn’t have 1 paid off the 2 loans and 2 even bothered having our credit run for gods sake!

Lightstream seems a good company to work with, but for the typical residential system ($10-25k), they only offer 7 year loans. (12 yr over $25k) That makes it almost impossible to tell your customers "you'll pay your loan instead of your monthly electric bill and it will be about the same amount from day 1." You really need a 20 year, 0 down loan to sell that model.

Also, no phone # on their web page to get quick answers so I question their service.