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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 listed 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.

LightStream offers low-rate home remodel financing without the hassles.

Competitive rates with flexible terms and no fees or prepayment penalties.

Loans from $5,000 to $100,000

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

No need to pledge your assets

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

Online loan – from application to loan funding

LightStream offers low-rate home remodel financing without the hassles.

Ready to finally remodel your kitchen or bath? When you have good credit, you can finance your entire project with a LightStream loan. Our online loan process is fast and straightforward, and you can spend the proceeds of your LightStream loan on new cabinets, a master bath, new shower, or anything related to your kitchen or bath project.

  • Get a low interest rate: When you have solid credit, LightStream’s fixed interest rates on loans begin as low as 4.29%* APR with AutoPay.

  • No down payments, no fees: Some lenders will offer a competitive interest rate up front, only to surprise you with a sizable down-payment requirement. LightStream doesn’t require a down payment or charge fees or prepayment penalties of any kind.

  • No home equity requirements: With the LightStream loan you can preserve (and enhance) your home equity, while you make the improvements you want in your kitchen or bathroom — or any other area of your home.
  • Annual Percentage Rates (APR)

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

    Loan Terms:

    Lending Uncomplicated®

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    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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