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Why LightStream?
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.

2018 LightStream Home Improvement Survey

More homeowners are spending more.

More than half (58%) are planning to spend money on renovations in 2018. In fact, the number of respondents planning to spend $35,000 or more has doubled since 2017.

Homeowners are staying—and aging—in place.

Homeowners of every age are remodeling to stay put, longer. Only 7% of respondents are renovating to put their homes up for sale, the lowest rate in survey history.

Outdoors, kitchens and bath top "to dos."

For the fifth year in a row, outdoor projects are the most popular (43%). Nearly a third (31%) of those surveyed plan a bathroom remodel; 26% will redo a kitchen.

More are funding with home improvement loans.

While most (62%) survey participants will use savings to partially or entirely pay for projects, home improvement loans are growing in popularity—up 29% from 2017.
This is an infographic titled "2018 Home Improvement Trends." Of the U.S. homeowners surveyed for The 2018 LightStream Home Improvement Survey: 43 percent plan outdoor projects, such as a deck, patio or landscaping. Five percent plan to install a pool. 31 percent are planning a bathroom remodel. 16 percent plan improvements to their garage. 28 percent plan home repairs such as a new roof, windows, solar, or heating, ventilation or air conditioning. 26 percent plan to remodel their kitchen. Please note that respondents could list multiple planned projects. Outdoor includes: Deck/Patio and Landscaping Home Repair includes: New Roof, Windows, HVAC and Solar
LightStream 2018 Home Improvement Survey infographic

About the survey

The 2018 LightStream Home Improvement Survey was conducted online January 26–30, 2018 by Harris Poll within the United States, among 2,055 adults ages 18 and older. The survey identified the most popular projects, as well as the financial strategies to budget and pay for them.

This year also revealed new information:

  • Asked about the impact of new tax reforms, 18% cited it as a reason for increasing their home improvement budget.
  • Across every age group, 10% (or more!) of participants say they are considering a home improvement to “Age in Place.”

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

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 has also now extended its home improvement financing terms to maximum of 144 months* for customers with excellent credit. As always with LightStream, customers can repay loans early with no penalty, and there are no application or closing fees.

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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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

    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 2 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
  • Comment 3 of 4

    Hello — I want to just say how much I love your business model! I borrowed money 3 years ago to install a pool, and just now borrowed for capital improvements. Your process is so easy and reasonable. I had talked to other loan institutions that either wanted a fortune to do a refinance or offered no option at all. I will recommend you to everyone.

    — T.T. from Fort Lauderdale, FL
  • Comment 4 of 4

    First I want to say this was in fact the EASIEST loan transaction ever! I have truly found a new lender. Thank you for making my dream of owning a pool come true in just one day!

    — B. W. from Philadelphia, PA
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

    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 2 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
  • Comment 3 of 4

    Hello — I want to just say how much I love your business model! I borrowed money 3 years ago to install a pool, and just now borrowed for capital improvements. Your process is so easy and reasonable. I had talked to other loan institutions that either wanted a fortune to do a refinance or offered no option at all. I will recommend you to everyone.

    — T.T. from Fort Lauderdale, FL
  • Comment 4 of 4

    First I want to say this was in fact the EASIEST loan transaction ever! I have truly found a new lender. Thank you for making my dream of owning a pool come true in just one day!

    — B. W. from Philadelphia, PA
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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