Financing with LightStream

A Division of SunTrust Bank

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Low Rates. Great Service. That’s Lending Uncomplicated.®

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.

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.

Landscape your property, 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.

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.

A Tree is Donated for Every Funded Loan

Not long ago, a typical loan generated a small mountain of paperwork. LightStream has changed all that. As the nation’s premier online consumer lender, we pioneered the virtually paperless online loan. This was revolutionary when we started, so we looked around for a way to celebrate. Planting a tree with each loan seemed like a natural fit.

We connected with American Forests, the oldest conservation organization in the U.S., and began to support their restoration efforts by donating a tree for every funded loan. 

So far, we’ve planted more than 1,000 acres of trees, helping reforestation and wildlife protection efforts across the country.

Let’s Build Something Together

Home-Improvement, Pool or Solar Loan


No Fees


Fixed Rate Financing


Co-Sign Options are Available


Interest Rates Start at 3.99%


Repayment Period is from 2-12 Years


Financing from $5,000 - $10,000


Minimum Credit Score of 660


Plant a Tree for Every Funded Loan

Apply for Your Loan Today!

“Thank you. I can’t believe your company and how easy it is to do business with you. It was a pleasure to borrow money with no hassles and low interest. Amazing. Why don’t other companies (banks) behave in this civilized way?”


“Wow, I cannot believe how incredibly easy your loan process is. Great rates. I can have the money deposited to a different account than the loan repayment will be deducted from. I get to choose my due date. I even get to choose when you’ll deposit the funds. Thanks so much for making this so easy!”


“I would just like to say thank you for making this process seamless. You allowed me every avenue to make paying off my high-balance credit cards complete. I’m so happy to be closer to my goal of being debt free and LightStream is to thank for it.”