Home Improvement Loans
Upgrade your home without the hassle of a home equity loan.
Unsecured home improvement financing for kitchens, baths, additions, and more. No equity required, no fees, low fixed rates.
- ✓No home equity required
- ✓No fees or closing costs
- ✓Fixed rates and predictable payments
- ✓Fund projects from $1,000 to $100,000
Why LightStream for home improvement?
Low fixed rates, no fees, and a fully online experience designed for borrowers with good-to-excellent credit.
- Loan amounts
- $1,000 – $100,000
- Terms
- 24 – 240 months (varies by purpose)
- Fees
- None — no prepayment penalty
Apply in minutes. Have funds in your account as soon as today.¹
Apply online
You will receive a response shortly during business hours.
Accept loan agreement
Once approved, e-sign your loan agreement and set-up your loan for funding.
That's it! Use your loan
Receive your funds as soon as today and put them to work.
Important disclosures
- 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 documentary stamp tax. Stamp tax is NOT included when determining loan interest rate.
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. Loan terms range from 24–240 months depending on the loan type.