Learn more about payment relief options and how we're responding to the coronavirus (COVID-19). Click here.
HOME IMPROVEMENT LOANS
Choose timeless over trendyOpt for styles that can be easily updated down the road, without breaking the bank. Think simple, efficient and clean.Bigger budgetsEvery homeowner will run into unexpected expenses during their renovation project. It’s smart to set aside 10% of your overall budget for any hiccups along the way.Good bones add the most valueOne of the easiest (though less glamorous) ways to invest in your home is to care for HVAC, plumbing, roofing and other house systems.Rule of Three: Three quotes give you cloutHaving multiple estimates in your back pocket gives you different perspectives and provides better bargaining power to negotiate with contractors.Invest in your nest: Egypt's tips to get started
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.
.
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.
.
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.

MARKETPLACE TRENDS

According to the 2019 LightStream Home Improvement Survey, 73% of homeowners plan to renovate this year, a 26% increase over 2018! Budgets are also on the rise, with homeowners planning to spend 32% more than last year. Outdoor projects that enhance curb appeal lead the list of upgrades (41%). Other popular projects are:

  • Bathroom remodels (37%)
  • Kitchen renovations (31%)
  • Home repairs including windows, roofs and solar (29%)
Lending Uncomplicated® 10 THINGS TO KNOW ABOUT A LIGHTSTREAM HOME IMPROVEMENT LOAN
1. How much can I borrow? When you have good credit, you can get a LightStream loan from $5,000 to $100,000.
2. How much does it cost? Our interest rates are super-competitive and transparent. Use our loan calculator to view rate ranges and monthly payment options.
3. How much are the fees? $0! LightStream has NO FEES, period.
4. What kind of collateral do you require? None. LightStream loans are unsecured. There are no home equity requirements, either.
5. What can I use the funds for? LightStream funds can be used to pay for contractors, appliances, finishes, furniture, landscaping...ANY and ALL expenses you choose for your project.
6. Can I choose where/who/what to spend the money on? Yes, as long as it’s spent on your home improvement project.
7. How do I actually pay for things? Funds from your LightStream loan are deposited directly into your bank account. It's there for you to pay for your project, whenever you want.
8. How long does it take to apply? An application is easy to complete. You'll have an answer quickly during business hours and can have funds as soon as the same day.
9. Do you take joint applications? Yes.10. Will I be approved? We won't know until you apply. You must have good credit, assets, a history of paying your debts and meet other criteria.
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. 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 

1

Surveys were conducted online within the United States by The Harris Poll on behalf of LightStream. The 2019 survey fielded January 8 – 10, 2019 among 1,258 homeowners, of whom 877 are planning to spend money on home improvement projects in 2019; and the 2018 survey from January 26 – 30, 2018, among 1,413 homeowners, of whom 795 were planning to spend money on home improvement projects in 2018.

2

You can fund your loan today if today is a banking business day, your application is approved, and you complete the following steps by 2:30 p.m. Eastern time: (1) review and electronically sign your loan agreement; (2) provide us with your funding preferences and relevant banking information; and (3) complete the final verification process.

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.

LightStream


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.