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Your best loan experience
guaranteed or $100 is yours!
Your best loan experience guaranteed
or $100 is yours!

After receiving your loan from us, if you are not completely satisfied with your experience, please contact us. We will email you a questionnaire so we can improve our services. When we receive your completed questionnaire, we will send you $100. Our guarantee expires 30 days after you receive your loan.

We reserve the right to change or discontinue our guarantee at any time. Limited to one $100 payment per funded loan. LightStream and SunTrust teammates do not qualify for the Loan Experience Guarantee.

* The APR listed3.99% APR is for an unsecured home improvement, pool, or solar system loan between $10,000 and $24,999 with a term between 24 and 36 months, for applicants with excellent credit. Your APR may differ based on loan purpose, amount, term, and your credit profile. Rate is quoted with AutoPay discount, which is only available when you select AutoPay prior to loan funding. Rates under the invoicing option are 0.50% higher. Subject to credit approval. Conditions and limitations apply. Advertised rates and terms are subject to change without notice.

Finally, a low-interest home improvement loan with no equity required.

There is no need to leverage valuable home equity. A home improvement loan with LightStream is unsecured so it is lien- and collateral-free.

No equity required. NO FEES!

Approved applicants can schedule their funding as soon as the same day† and have funds deposited directly into their bank accounts.

Money in your account as soon as today †

How it works...

Virtually paperless process - eSign your loan documents and funds are directly deposited into your account.

Online loan process - from application to loan funding

Finally, a low-interest home improvement loan with no equity required.

Customers are Saying
This is the best lending experience I have ever encountered....
- R. A. from Huntington Beach, CA Read more...

See what our customers are saying

This is the best lending experience I have ever encountered....
- R. A. from Huntington Beach, CA
Read more...
Whether it’s a kitchen or bath remodel, room addition, new roof, deck or whatever, the right financing can be just as important as your home improvement project itself. When you have good-to-excellent credit, the right financing looks like a low-interest loan with a fast and easy application process – and that’s what LightStream delivers.

  • Low, Fixed-Interest Rates: When you've worked hard to build solid credit, your interest rate should be low, and it should be fixed. LightStream home improvement loan rates start as low as * APR with AutoPay, with loan amounts ranging from to .

  • Leave Your Home Equity Intact: An unsecured loan from LightStream allows you to preserve and enhance your home equity, rather than deplete it. You also get a virtually paperless loan, with funds in your account as soon as the day you apply.†

  • You're in Control: LightStream gives you the freedom to use your loan proceeds on any home improvement you can think of, from outdoor decks, patios, landscaping and swimming pools to additions, solar installations, man caves, kitchens, bathroom renovations and anything in between!

Annual Percentage Rates (APR)

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Rates quoted with Premier Banking Discount

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

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Affordable Home Improvement Program loans cannot exceed $10,000.00.

Loan Terms:

rate beat offer

Lending Uncomplicated®

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Learn more about how LightStream loans can be used to finance:

At LightStream, we care about the environment and, more importantly, we try to do something about it. For one, we have created a 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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