Unsecured Home Improvement Financing

Unsecured Home Improvement Loan

Rates as low as
3.99%1 APR with AutoPay

Ready to start your home improvement project, without depleting your home equity? LightStream, our online lending division, offers unsecured loans from $5,000 to $100,000, at low interest rates for borrowers with good to excellent credit. You could be on your way to that new kitchen, room addition, pool, outdoor living space, or any home improvement, as soon as today.2

The LightStream loan process is as easy as 1-2-3:

  1. Apply online and get a quick response during business hours.
  2. Once approved, e-sign your loan agreement.
  3. Have the money in your account as soon as today!2

We guarantee that this will be the best loan experience you've ever had - if not we'll give you $100.3

"I have to say, I am blown away at how easy this was to complete. You weren’t kidding when you said it’s guaranteed the easiest loan process ever. I thought dealing with our credit union in the past was easy, but this takes it to a whole different level."

- J.W. from Bee Cave, Texas

Current Annual Percentage Rates (APR)

Rates for each loan amount and term combination are shown below as a range because rates vary based on your credit profile. The lowest rates are for excellent and substantial credit.

Loan Term (months)4
Loan Amount24-3637-4849-6061-7273-84
$5,000 to $9,999 6.79% - 8.79% 7.54% - 9.54% 8.04% - 10.04% N/A N/A
$10,000 to $24,999 3.99% - 7.29% 6.04% - 8.04% 6.54% - 8.54% 7.04% - 9.04% 7.29% - 9.29%
$25,000 to $49,999 4.29% - 7.29% 6.04% - 8.04% 6.34% - 8.34% 6.79% - 8.79% 7.29% - 9.29%
$50,000 to $100,000 4.29% - 7.29% 5.79% - 7.79% 6.04% - 8.04% 6.54% - 8.54% 6.79% - 8.79%

Loan Terms:

  • Fixed rate, simple interest 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. The tax amount is not included in the quoted APR
Disclaimers

1Your APR may differ based on loan purpose, amount, term, and your credit profile. Rate is quoted with AutoPay repayment option. Rates under the invoicing option are 0.50% higher. Subject to credit approval. Advertised rates and terms are subject to change without notice.

2You 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 (11:30 a.m. Pacific 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.

3After receiving your loan from us, and within 30 days, if you are not completely satisfied with your experience, please contact us and we will email you a questionnaire so we can improve our services. When we receive your completed questionnaire, we will send you $100. Limited to one $100 payment per funded loan. SunTrust and LightStream employees are not eligible for the Loan Experience Guarantee.

4Payment Example: Monthly payments for a $20,000 loan at 6.24% APR with a term of 5 years would result in 60 monthly payments of $388.89.

Investment and Insurance Products:

  • Are Not FDIC or any other Government Agency Insured
  • Are Not Bank Guaranteed
  • May Lose Value

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