Frequently Asked Questions

LightStream LLC is a connection service which submits your inquiry to its network of lenders. There is no cost for submitting an inquiry. The fees and rates are quoted directly by the lender which is connected to your profile. LightStream LLC is not a lender and will not provide you or anyone else with lending services.

It is understandable for new customers to have questions about LightStream LLC which is why we have compiled the most common questions into this FAQ. If you have any question not answered in this FAQ we'll be glad to answer them. All you've got to do is to contact us and allow some time to receive an email response.

Any questions pertaining to loan payments, request status and extensions etc need to be directed to the lender to whom you submitted your request to. Once your request has been submitted on the lender's website you'll receive the lender's contact info.

  1. What is a cash loan?
  2. Who can qualify for a cash loan?
  3. What amount can I get?
  4. How is the money given?
  5. If I have bankruptcy or bad credit can I still get the loan?
  6. How long will it take?
  7. Will I need a printer or fax machine?
  8. What is the cost?
  9. If I have an outstanding cash loan is it possible to get a new one?
  10. When and how do I repay this loan?
  11. What happens if I'm late with repayment?
  12. How is my private information to be protected?
  13. When can I get another loan?
  14. Is an extension possible on repaying my loan? And how many extensions can I get?
  15. What happens if I'm not able to repay my loan?
  1. What is a cash loan?

    This is a short term loan aimed at helping people who need some extra cash prior to their pay day. The amount here is often between $100 and $1000.

  2. Who can qualify for a cash loan?
    • Be employed in your current position for around 90 days at least
    • Be older than 18 years of age, be a US citizen or a permanent resident
    • You should have a salary of $1000 each month after tax deductions
    • Have a valid email address, work phone number and home phone.
  3. What amount can I get?

    LightStream.com offes $100 - $5000nywhere from $100 to $1000. The approved amount will be predetermined by the lender.

  4. How is the money given?

    Once your cash loan has been approved the money is wired electronically to a checking account of choice.

  5. If I have bankruptcy or bad credit can I still get the loan?

    Yes you can still get it despite bounced checks, charge offs, bankruptcy and also credit related issues.

  6. How long will it take?

    It can take as few as just 2 minutes to fill out the inquiry form. you'll get your loans within 1 or few business days.

  7. Will I need a printer or fax machine?

    You should have printer in order to print out the loan documents. Also the lender who receives your inquiry will also need for you to fax over the information to them. Information such as your bank statement and a pay stub will need to be faxed over. If you do not have a fax machine you can always use ones available at Office Max, Kinkos, Mail Boxes, Stables etc.

  8. What is the cost?

    There is no cost to use LightStream LLC connection service. The fees of the loan will vary depending on the amount and the lender. The lender will notify you of the exact fees for the loan once on their website. However, please bear in mind that cash loans have been designed with emergency needs in mind and will be lower in terms of expense as compared to late charges, check fees etc. which you may incur if you are late with payments.

  9. If I have an outstanding cash loan is it possible to get a new one?

    Yes you may qualify, even if you have another outstanding loan you can still qualify. But you'll need to be sure to disclose this outstanding loan to the lender.

  10. When and how do I repay this loan?

    Both the loan fees and the amount is withdrawn directly from your checking account once the due date has been reached. You will not have to think twice about it! This saves you from having to visit any store. An extension can be requested by contacting your lender prior to the due date. But there will be additional fees which apply to the extension.

  11. What happens if I'm late with repayment?

    There are different policies followed by different lenders in our network. It is advised that you review the policies pertaining to late payment often found in the lender's documentation prior to inserting your e-signature on that document. However, many states have laws that dictate how much lenders are allowed to charge for late payment.

  12. How is my private information to be protected?

    We use state of the art security systems. All your private information is kept securely in an encrypted format to ensure your security and privacy. More details can be found by reading our privacy policy.

  13. When can I get another loan?

    Usually after 2 hours you can submit again. However, if you have already previously been approved for a loan then ensure that this info has been disclosed to the lender.

  14. Is an extension possible on repaying my loan? And how many extensions can I get?

    The state laws on this differ and dictate if a lender can grant you an extension often referred to as a 'rollover'. While some states allow for multiple rollovers, others do not allow it at all. You should ask your lender about anything concerning rollovers / extensions. Also make sure to contact your lender with an extension request prior to the due date of your payment. If you do not do it in time the lender will charge you additional fee and ask for immediate payment of the remaining balance. Also additional fees and other charges may be levied on you if you default.

  15. What happens if I'm not able to repay my loan?

    Lenders are always determined to pursue collections after the due date of their accounts to the fullest legal extent. You may have to face criminal charges and additional fees if you do not repay on time.

Personal Loans up to 5,000
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Copyright © 2012- 2016 Light Stream. All Rights Reserved

Consumer Notice: Personal loans are not a long term financial solution. Borrowers facing debt and credit difficulties should seek professional financial advice. Borrowers are encouraged to review local laws and regulations governing personal loans.

Availability: This service is not available in all states. Please review local laws and regulations for availability in your particular state. The states this website services may change from time to time without notice. All actions taken on this site, or legal concerns addressing this site, are deemed to have taken place in Nevada, regardless of the location from where you access this site.

Disclaimer: This website does not constitute an offer or solicitation to lend. The operator of this website is not a lender and does not make credit decisions. Rather, we provide a marketplace service where we connect you with lenders in our network. We cannot and do not control the actions or omissions of lenders in our network. We are not an agent, representative or loan broker to any lender and we do not endorse any particular lender. Our marketplace service is always free to you. If you are ever asked to pay a deposit or advanced payment in order to get a loan, you should not proceed.

You are under no obligation to use our marketplace service to initial contact with or apply for a loan with any lender.

Subject to our Privacy Policy (which you should carefully read and understand), we will transfer your information to lenders in our program and to other service providers and marketing companies we do business with. We do not guarantee that you will be connected with a lender or obtain favorable rates or be approved for a loan by completing a form on our site.

Participating lenders may verify your social security number, driver’s license number or other federal or state identification, as well as review your credit worthiness through national databases that may include Equifax, Transunion, Experian and other credit bureaus. By submitting your information to us, you agree that lenders may obtain such credit reports and verify your information.

Not all lenders can provide you with a loan. If you are approved, you will receive funds according to the lender’s funding practices which vary from lender to lender. Repayment terms also vary from lender to lender and may be affected by state law. If you have questions about the loan terms offered to you, or about a loan that has funded, please contact the lender directly. We are not a lender and cannot give you loan-specific information.

You will not be charged a fee for using our service. Loan-related fees are controlled by the lender and will be disclosed to you before you accept the loan. If you do not want to incur loan-related fees or you are unable to repay your loan, do not accept the loan.