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Why LightStream?
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When you have good credit, you’ve earned a lower interest rate, and a refreshingly simple loan process. We’ve built our business around that belief, and it’s made us the premier national online consumer lender. Got good credit? Get a low-interest, no-fee loan from $5,000 to $100,000, for practically any purpose, as soon as today.3
$100 Loan Experience Guarantee1
At LightStream we’ve put you, the customer, at the center of the loan process. You decide your loan amount, terms and funding date through an online process that you control. And we guarantee that it will be the best loan process you’ve ever experienced. If after receiving your loan from us you are not completely satisfied, we’ll send you $100.1
We will beat any qualifying rate.2
Many lenders claim that they have low interest rates. At LightStream we actually do. We are so confident in the competitiveness of our interest rates that we will beat a qualifying interest rate (APR)2 from any other lender. With our low rates and our commitment to exceptional service, there's no reason to go anywhere else when you need a loan.

*AutoPay discount is only available prior to loan funding. Rates without AutoPay are 0.50% higher.

2019 LightStream Home Improvement Survey reveals homeowners' plans

More projects

This year 76% are renovating, an increase of 26% over 2018.

Bigger budgets

People are spending more on renovations. Projects costing $25,000 or more jumped by 83%.

Fewer moves

Most people (59%) want to stay in their homes at least 10 years—or never move.

More personalization

More owners (27%) are updating their home in styles they personally enjoy, rather than to grow their home's market value.

Annual Percentage Rates (APR)

It's easy to find your rate.

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Please note: Credit Card/Debt Consolidation loan amounts greater than $50,000 are only available for excellent-credit applicants.

Please enter a term between {{rates.MinTerm}} and {{rates.MaxTerm}} months

Please note: Credit Card/Debt Consolidation loan terms greater than 60 months with a loan amount of less than $25,000 are only available for excellent-credit applicants.

Monthly Payment:
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Interest rate / APR:
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Rates quoted with Premier Banking Discount

(Exact rate within this range is determined by credit profile)

Annual Percentage Rates (APR)

Based on your selected loan purpose, below is a table of loan terms and available rates.

Loan Term (months) *
Loan Amount
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{{term.Min}}-{{term.Max}} months:

Loan Terms:

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About the survey

The 2019 LightStream Home Improvement Survey was conducted online by Harris Poll January 8 – 10, 2019 among 1,258 homeowners. The survey identified the most popular projects, as well as the financial strategies to budget and pay for them.

This year’s research also revealed that:

  • If cost wasn’t a factor, 42% of homeowners would remodel their kitchen.
  • The design element homeowners most dislike about their home is flooring (35%); followed by bathrooms (32%).

Are you planning a renovation this year? A LightStream home improvement loan can be used for any expense associated with a renovation—contractors, designers, products, services, finishes, furniture—anything! LightStream's low rates make it easy to remake your space, exactly how you want.

Visit The LightStream Blog for the complete infographic and additional details.

Infographic text: For those planning to renovate their home, the most popular projects are Home repair, including windows, roof, solar - 29% Kitchen - 31% Outdoor - 41% Garage - 18% Bathroom - 37% Pool - 7% *Respondents could select multiple responses
LightStream 2019 Home Improvement Survey infographic.

The LightStream experience

Why we're different

With LightStream you know you'll get a great rate, and the best loan process you've ever experienced – guaranteed.

What our customers are saying about LightStream What our customers are saying about LightStream

Unsolicited customer comments

  • Comment 1 of 4

    Just wanted to pass along that it is a pleasure working with you to get a loan for my home improvement. Fast and convenient. Excellent service with quick response. Funds in my account in 3 days! Thank you.

    — K.G. & G.G. from Cape Coral, FL
  • Comment 2 of 4

    Thank you so much for our loan! The process was easy and fast! Will definitely recommend to anyone who asks me where they can get a loan! My roof will be fixed and I won’t worry anymore when it rains!

    — R.F. & J.F. from Perris, CA
  • Comment 3 of 4

    Hands down this is THE coolest thing I have ever seen! Not only was your loan process the simplest and quickest I have ever done, but your customer service has been exceptional! I had never even heard of your company until I was investigating home improvement loans, but I have told everyone I know what a remarkable experience I have had! Thank you LightStream!

    — J. H. & C.H. from Mogadore, OH
  • Comment 4 of 4

    Thank you so much. The process was amazingly easy!!!! Again. Thanks for the loot. My new roof looks amazing!!!

    — D.P. from Fort Lauderdale, FL
Read more...
LightStream in the news LightStream in the news

Media coverage

  • Comment 1 of 4

    “LightStream, an offshoot of SunTrust Bank, offers excellent rates for creditworthy borrowers for non-home and auto-related personal loans... There are no fees for loan origination, prepayment, or anything else… flexible terms and high borrowing limits make it a good choice… [LightStream is] also speedier than peer-to-peer competitors — you can have your money in as little as a day.”

    — The Simple Dollar, "Best Online Personal Loan Companies for 2018"
  • Comment 2 of 4

    “Good for: borrowers with good credit looking for a no-hassle loan from a well-known bank… LightStream is tailored to customers with strong credentials — even promising to beat some competitors’ rates to get those customers.”

    — NerdWallet, "LightStream Auto Loans: 2018 Review"
  • Comment 3 of 4

    “LightStream is a great choice for people with excellent credit. It is actually part of a bank you might have heard of, SunTrust Bank. They were recently set up to offer some of the best personal loan rates available, and they are delivering.”

    — Magnify Money, "Where to Get The Best Personal Loan Rates Online"
  • Comment 4 of 4

    “… recognized based solely on surveys about the workplace completed by their employees. Top Workplaces are not only better places to work but are more likely to be successful than peer organizations.”

    — San Diego Union Tribune, "2017 Top Workplaces"

Why we're different

With LightStream you know you'll get a great rate, and the best loan process you've ever experienced – guaranteed.

What our customers are saying about LightStream What our customers are saying about LightStream

Unsolicited customer comments

  • Comment 1 of 4

    Just wanted to pass along that it is a pleasure working with you to get a loan for my home improvement. Fast and convenient. Excellent service with quick response. Funds in my account in 3 days! Thank you.

    — K.G. & G.G. from Cape Coral, FL
  • Comment 2 of 4

    Thank you so much for our loan! The process was easy and fast! Will definitely recommend to anyone who asks me where they can get a loan! My roof will be fixed and I won’t worry anymore when it rains!

    — R.F. & J.F. from Perris, CA
  • Comment 3 of 4

    Hands down this is THE coolest thing I have ever seen! Not only was your loan process the simplest and quickest I have ever done, but your customer service has been exceptional! I had never even heard of your company until I was investigating home improvement loans, but I have told everyone I know what a remarkable experience I have had! Thank you LightStream!

    — J. H. & C.H. from Mogadore, OH
  • Comment 4 of 4

    Thank you so much. The process was amazingly easy!!!! Again. Thanks for the loot. My new roof looks amazing!!!

    — D.P. from Fort Lauderdale, FL
Read more...
LightStream in the news LightStream in the news

Media coverage

  • Comment 1 of 4

    “LightStream, an offshoot of SunTrust Bank, offers excellent rates for creditworthy borrowers for non-home and auto-related personal loans... There are no fees for loan origination, prepayment, or anything else… flexible terms and high borrowing limits make it a good choice… [LightStream is] also speedier than peer-to-peer competitors — you can have your money in as little as a day.”

    — The Simple Dollar, "Best Online Personal Loan Companies for 2018"
  • Comment 2 of 4

    “Good for: borrowers with good credit looking for a no-hassle loan from a well-known bank… LightStream is tailored to customers with strong credentials — even promising to beat some competitors’ rates to get those customers.”

    — NerdWallet, "LightStream Auto Loans: 2018 Review"
  • Comment 3 of 4

    “LightStream is a great choice for people with excellent credit. It is actually part of a bank you might have heard of, SunTrust Bank. They were recently set up to offer some of the best personal loan rates available, and they are delivering.”

    — Magnify Money, "Where to Get The Best Personal Loan Rates Online"
  • Comment 4 of 4

    “… recognized based solely on surveys about the workplace completed by their employees. Top Workplaces are not only better places to work but are more likely to be successful than peer organizations.”

    — San Diego Union Tribune, "2017 Top Workplaces"

Lending Uncomplicated®

Only from LightStream.

At LightStream, we care about the environment and, more importantly, we try to do something about it. For one, we have created a virtually paperless consumer loan experience at LightStream. By eliminating paper almost entirely from the LightStream loan process, we not only save our natural resources but we save on expenses as well, better enabling us to offer you highly competitive interest rates.

In addition, for every loan that we fund for our customers, we will have a tree planted in one of our country's fragile habitat communities currently under restoration.

For every loan we plant a tree
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