Learn more about how we're responding to the coronavirus (COVID-19). Click here.
Homeowners adapt spaces to fit new lifestylesAlmost half (47%) of respondents say their space is now being utilized differently after their 2020 experiences.Stay-at-home experience reveals need for repairsTwo-thirds of homeowners say spending more time inside is driving the desire to renovate, including making home repairs (46%).Millennial homeowners have big plansAlmost 80% say spending more time at home has made them want to upgrade; 47% are focused on larger-scale plans compared to 2020.Demand for more space increasesNew additions are being planned by 12% of surveyed homeowners; 14% are planning a basement or attic remodel.2021 LightStream Home Improvement Trends Survey reveals homeowners want to refresh their space.
  • Fixed rate, simple interest fully amortizing installment loans, no fees or prepayment penalties.
  • Rates quoted with AutoPay option. Invoicing option is 0.50% points higher.
  • Loan proceeds may not be used to refinance any existing loan with LightStream.
  • Florida loans subject to 

    Florida Doc Stamp Info

    Under Florida law we are required to collect and transmit to the State of Florida, on your behalf, a documentary stamp tax. The amount of this tax, which is slightly more than .0035 times your loan amount (or just over $35 for a $10,000 loan), will be added to your loan amount if your loan request is approved and funded. Stamp tax is NOT included when determining loan interest rate.

    . The tax amount is not included in the quoted APR.
Find your rate
Excellent service, prompt and effectiveWe entered an application one day (awaiting replacement of our roof) and had the funds the NEXT DAY! I can't say anything that's not positive! Our roof is FINISHED and lovely as a roof can be.

— Deb and Larry
So easyI applied for a home improvement loan and received notice of approval in the same day. I was able to say what date I wanted my funds dispersed and what day I wanted my payment to be due. It was an extremely easy process.

— Kim
Very fast and excellent helpOur contractor suggested that we contact LightStream for a loan to resurface and repair our pool. We were offered several budget-friendly options, and the LightStream team was wonderful to work with and helped throughout the entire process. Thank you!

— J.L.
Infographic text:
The Refresh-your-home loan
Kitchens and baths, followed by outdoors and repairs, are this year's most popular home improvements.
Kitchen remodels - 38%
Outdoor renovations - 35%
Bathroom remodels - 32%
The LightStream experience
Learn more about how LightStream loans can be used to finance:

Your loan terms, including APR, may differ based on loan purpose, amount, term length, and your credit profile. Lowest rates require excellent credit. At least 22% of approved applicants applying for the lowest rate qualified for the lowest rate available based on data from 4/01/2021 to 6/30/2021. Rate is quoted with AutoPay discount. AutoPay discount is only available prior to loan funding. Rates without AutoPay are 0.50% points higher. Subject to credit approval. Conditions and limitations apply. Advertised rates and terms are subject to change without notice.

Maximum APR for a LightStream loan is .


Ketchum Analytics, partnering with survey vendor Ipsos, surveyed 1,300 nationally representative homeowners about their home improvement plans. The survey was fielded from February 4, 2021 to February 17, 2021 with a 95% confidence and a margin of error of +/- 3%.

Business Hours (Eastern time)

Customer Service

Monday - Friday: 10 a.m. to 8 p.m. & Saturday: Noon to 4 p.m.

Saturday: Noon to 4 p.m.

Application Processing

Monday - Friday: 10 a.m. to 6 p.m.

Saturday & Sunday: 1 p.m. to 6 p.m.

Mailing Address
PO Box 117320
Atlanta, GA 30368-7320

E H L. Truist Bank is an Equal Housing Lender.
© 2021 Truist Financial Corporation. SunTrust, Truist, LightStream, the LightStream logo,
and the SunTrust logo are service marks of Truist Financial Corporation.
All other trademarks are the property of their respective owners. 
Lending services provided by Truist Bank.


You Are Leaving LightStream.com


By clicking Continue, you will be taken to a third-party Web site which is not affiliated with LightStream, a division of SunTrust Bank. The privacy policy, level of security or accessibility standards may differ from ours. We encourage you to review the privacy policy and security offered on the third-party site prior to providing any personal information. LightStream is not responsible for and does not endorse, guarantee or monitor content, availability, viewpoints, partners, advertisers, products or services that are offered or expressed on third-party Web sites. You can click the Return to LightStream.com button now to return to the previous page.