I wouldn’t say the “hoops” are too difficult. All you have to do is get an approval letter stating the terms, adjust the lightstream terms to match and email the letter requesting the match. I got a response in less than 15 min.I’ve financed through Lightstream multiple times and they are by far the easiest and fastest loan processor around. I recall only needing a recent pay stub to obtain an unsecured loan with 0 down payment. They used to have the best rates but that’s no longer the case unless you jump through hoops for their rate beat program.
That email is correct. I think their hours end earlier on weekends so there may be a slightly delayed response. You need to give an approval letter showing the terms and Be sure they match the lightstream terms.I need to email them for their Rate Beat Program. Bumping this post to see if anyone can recall/provide customer service email address for LightStream.
Yeah, I should have said they asked me for a pay stub right away (before the first approval). I had the CU approval in hand before applying to LightStream but their initial approval was good for 30 days so my guess is you can get another approval and submit to them for rate beat during that time.I applied with them recently and they asked for a pay stub. I haven't submitted it yet, because I am still waiting for approval letters from another credit union. After you have been approved by lightstream, how long do you have to do the rate match?