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.Be a cash buyer, fully in control of your project.Some lenders require you to send ‘progress’ photos before funds are dispersed. Not LightStream; we deposit funds directly into your account. Because you’re more empowered when you can pay your contractors on your schedule, not your lender’s.
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 20 years. When you have good to excellent credit, the choice is yours.Low rates. Great service. That's Lending Uncomplicated.®
It's easy to find your rate
- Fixed rate, simple interest fully amortizing installment loans, no fees or prepayment penalties.
- Rates quoted with AutoPay option. Invoicing option is 0.50% points higher.
- 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.
Apply onlineReceive your funds as soon as today.Accept loan agreementThat's it! Use your loanYou will receive a response shortly during business hours.Once approved, e-sign your loan agreement and set-up your loan for funding.Apply in minutes. Have funds in your account as soon as today.
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. At least 24% of approved applicants applying for the lowest rate qualified for the lowest rate available based on data from 01/01/2022 to 03/31/2022. 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 .
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.