HOME IMPROVEMENT LOANS
Whole-project funding, with no fees, no home equity requirements.The unsecured LightStream loan has no fees or prepayment penalties. There are also no appraisals or home equity requirements.Finance any home improvement project, at a low rate.When you have good credit, you deserve a low-interest, fixed-rate loan. You can be confident that’s what you’ll get with LightStream, because we back our low rates with our Rate Beat Program.
We can fund your loan as soon as the day you apply.You’re in control of the loan process with LightStream. You choose your funding date, and you can even have funds deposited into your account as soon as the same day you apply.
You control the terms of your LightStream home improvement loan.Repay your fixed-rate home improvement loan in as little as two years, or take up to 12 years. When you have good to excellent credit, the choice is yours.Low rates. Great service. That's Lending Uncomplicated.®
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. 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.
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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. 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
LightStream will offer a rate .10 percentage points lower than the rate offered by a competing lender subject to satisfactory evidence being provided that you were actually approved for a lower rate with another lender for the same loan terms offered by LightStream by no later than 2 p.m. Eastern time one business day prior to loan funding. The Rate Beat Program excludes secured or collateralized loan offers from any lender and the competitive offer must be generally available to any customer with a similar credit profile. Terms are subject to change at any time.
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.