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HOME IMPROVEMENT LOANS
More renovations than ever77% of homeowners plan to renovate their homes in 2020.Record-high budgetsThe average amount respondents plan to spend has increased to $11,473, up 27% from 2019.Millennials lead the wayNearly all Millennials surveyed (92%) are planning home improvement projects in 2020, compared with 78% of Gen Xers and 69% of Boomers.Outdoor renovations surpass kitchen and bathNearly half (47%) of homeowners planning 2020 home improvement projects plan to tackle outdoor renovations, ahead of remodeling kitchens and bathrooms.2020 LightStream Home Improvement Survey reveals homeowners want to love their home again.
Please note: Credit Card/Debt Consolidation loan amounts greater than $50,000 are only available for 

Excellent Credit

Given the unique nature of each individual’s credit situation, LightStream believes there is no single definition for "excellent credit." However, we find individuals with excellent credit usually share the following characteristics:
  • Five or more years of significant credit history
  • A credit history with a variety of account types such as major credit cards (for example, Visa, MasterCard, Amex), installment debt (vehicle loans) and mortgage debt if applicable
  • An excellent payment history with no delinquencies or other problems repaying debt obligations
  • A proven ability to save evidenced by some or all of the following; liquid assets (stocks, bonds, bank deposits, etc.), cash down payments on real estate, retirement savings, and little, if any, revolving credit card debt
  • Stable and sufficient income and assets to easily repay current debt obligations and any new loan with LightStream
Finally, it should be noted again that each individual situation is different and that we make our credit judgment based on the specific facts of that situation. Ultimately, our determination of excellent credit is based on whether we conclude that there is a very high likelihood that our loan will be repaid in a full and timely manner.
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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

Given the unique nature of each individual’s credit situation, LightStream believes there is no single definition for "excellent credit." However, we find individuals with excellent credit usually share the following characteristics:
  • Five or more years of significant credit history
  • A credit history with a variety of account types such as major credit cards (for example, Visa, MasterCard, Amex), installment debt (vehicle loans) and mortgage debt if applicable
  • An excellent payment history with no delinquencies or other problems repaying debt obligations
  • A proven ability to save evidenced by some or all of the following; liquid assets (stocks, bonds, bank deposits, etc.), cash down payments on real estate, retirement savings, and little, if any, revolving credit card debt
  • Stable and sufficient income and assets to easily repay current debt obligations and any new loan with LightStream
Finally, it should be noted again that each individual situation is different and that we make our credit judgment based on the specific facts of that situation. Ultimately, our determination of excellent credit is based on whether we conclude that there is a very high likelihood that our loan will be repaid in a full and timely manner.
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Rates for each loan amount and term combination below are shown in a minimum to maximum range because LightStream rates and terms vary based on your credit profile. The lowest rate in each range requires that you have an 

Excellent Credit

Given the unique nature of each individual’s credit situation, LightStream believes there is no single definition for "excellent credit." However, we find individuals with excellent credit usually share the following characteristics:
  • Five or more years of significant credit history
  • A credit history with a variety of account types such as major credit cards (for example, Visa, MasterCard, Amex), installment debt (vehicle loans) and mortgage debt if applicable
  • An excellent payment history with no delinquencies or other problems repaying debt obligations
  • A proven ability to save evidenced by some or all of the following; liquid assets (stocks, bonds, bank deposits, etc.), cash down payments on real estate, retirement savings, and little, if any, revolving credit card debt
  • Stable and sufficient income and assets to easily repay current debt obligations and any new loan with LightStream
Finally, it should be noted again that each individual situation is different and that we make our credit judgment based on the specific facts of that situation. Ultimately, our determination of excellent credit is based on whether we conclude that there is a very high likelihood that our loan will be repaid in a full and timely manner.
 profile. N/A means that LightStream loans are not available for that loan amount and term combination.
Rates for each loan amount and term combination below are shown in a minimum to maximum range because LightStream rates vary based on your credit profile. The lowest rate in each range is for LightStream's unsecured auto loan product and requires that you have an 

Excellent Credit

Given the unique nature of each individual’s credit situation, LightStream believes there is no single definition for "excellent credit." However, we find individuals with excellent credit usually share the following characteristics:
  • Five or more years of significant credit history
  • A credit history with a variety of account types such as major credit cards (for example, Visa, MasterCard, Amex), installment debt (vehicle loans) and mortgage debt if applicable
  • An excellent payment history with no delinquencies or other problems repaying debt obligations
  • A proven ability to save evidenced by some or all of the following; liquid assets (stocks, bonds, bank deposits, etc.), cash down payments on real estate, retirement savings, and little, if any, revolving credit card debt
  • Stable and sufficient income and assets to easily repay current debt obligations and any new loan with LightStream
Finally, it should be noted again that each individual situation is different and that we make our credit judgment based on the specific facts of that situation. Ultimately, our determination of excellent credit is based on whether we conclude that there is a very high likelihood that our loan will be repaid in a full and timely manner.
 profile. If your application is approved, your credit profile will determine your rate. N/A means that LightStream loans are not available for that loan amount and term combination.
  • Rates quoted with AutoPay option. Invoicing option is 0.50% points higher.
  • Fixed rate, simple interest fully amortizing installment loans, no fees or prepayment penalties.
  • 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.
It's easy to find your rate.

There's no better time to makeover your home.

This year’s research revealed that:

  • Most homeowners (83%) aren’t entirely happy with their current living space.
  • 65% have an area in their home that they don’t like to see.
  • 60% of homeowners have a room in their house they’re embarrassed to show guests.

Whether you want an outdoor entertainment space, a beautiful new bath, or the kitchen of your dreams, a LightStream loan can be used for practically any part of your home improvement project. From hiring a contractor to applying finishing designer touches, LightStream can provide the financing you need to create a home you're proud of.

About the survey

The LightStream Home Improvement Survey was conducted by Wakefield Research among 1,300 nationally representative U.S. homeowners, between January 7-15, 2020.

Infographic text: Homeowners are most embarrassed about — and most excited to remodel — the following rooms: Bathroom, Bedroom, Basement
The LightStream experience
Learn more about how LightStream loans can be used to finance:
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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 25% of approved applicants applying for the lowest rate qualified for the lowest rate available based on data from 07/01/2020 to 09/30/2020. 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 

Lightstream received the highest score in the personal loan segment of the J.D. Power 2020 U.S. Consumer Lending Satisfaction Study of customers’ satisfaction with their lending company. Visit jdpower.com/awards.

Business Hours (Eastern time)

Customer Service

Monday - Friday: 9 a.m. to 8 p.m. & Saturday: Noon to 4 p.m.

Saturday: Noon to 7 p.m.

Application Processing

Monday - Friday: 9 a.m. to 8 p.m.

Saturday & Sunday: Noon to 6 p.m.

Mailing Address
PO Box 117320
Atlanta, GA 30368-7320

E H L. Truist Bank is an Equal Housing Lender.
© 2020 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.

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