For us average joes
I'd seen A LOT of bad reviews for Lightstream. Reviews from people claiming to have the world's greatest credit score and piles and piles of cash (and 3-4 houses). ALL of them claimed to get denied by Lightstream. So when a lowly working man like me with "good" credit got approved in MINUTES and got a percentage rate way lower than any used car dealer I could find, well, I was pleasantly surprised. Now, it was after 5pm on a Friday before a 3-day Holiday weekend, so, I didn't actually get the money deposited into my bank account 'till Tuesday (the day after the Holiday). But still,... I would (and already HAVE) recommend Lightstream to anyone. (Well anyone who's not already rich).