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Start those projects with AHIP financing.

When you qualify and are approved, you can borrow from $1,000 to $10,000 to help with projects like replacing your roof, fixing leaky pipes, buying a new furnace, and other home improvements through the Affordable Home Improvement Program (AHIP). AHIP financing is available only in counties where SunTrust has deposit-taking branches or ATMs, and has specific location and/or income requirements2. Loans are processed through LightStream, our national online lending division.

  • Must qualify based on geography and/or income2
  • No down payment required
  • Must live in a county where SunTrust has deposit taking branches or ATM's2
  • No fees

Annual Percentage Rates (APR)

Affordable Home Improvement Program loans cannot exceed $10,000.

 Loan Term (Months)*
Loan Amount24-3637-4849-6061-7273-84
$1,000 to $4,999 5.99% 5.99% 5.99% N/A N/A
$5,000 to $10,000 5.99% 5.99% 5.99% 6.99% N/A

Loan Terms:

  • Fixed rate, simple interest installment loans, no fees or prepayment penalties
  • 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
  • Rates quoted with AutoPay option. Invoicing option is 0.50 points higher
  • Rates for Affordable Home Improvement Program eligible applicants only
  • Alabama has a minimum loan amount of $1,001.00

"Just wanted to let you guys know that this has been the absolute best loan experience I've ever had, thanks."

— A. R. from Beaufort, SC

  • What can you use this loan for?
  • Loan Amount
  • Interest Rate
  • Fees
  • How to Apply
  • Loan Term (months)
  • Access to Funds
  • Conditions
  • If you qualify, this loan option can help you make home improvements or repairs, like replacing your roof, fixing leaky pipes, buying a new furnace, etc.
  • $1,000 to $10,000
  • As low as 5.99%1 APR with AutoPay
  • No fees
  • Complete online process: application to funding
  • 24 to 84 months*
  • Same day funding available3
  • Must have property located in a federally designated low or moderate income census tract and/or have an income below 80% of the area median income.2

Steps to Apply:

  • Step 1

    Apply Online

    You will receive a response shortly (during business hours).

  • Step 2

    Accept Loan Agreement

    Once approved, e-sign your loan agreement and set up your loan for funding.

  • Step 3

    That's it! Use your loan

    Receive your funds as early as today3.

Important Information About These Products

1 The lowest APR of 5.99% is for an unsecured loan with a maximum term of 60 months, is subject to credit criteria and includes a 0.50% interest rate reduction with the AutoPay repayment option. The AutoPay discount is only available when you select AutoPay prior to loan funding. Rates under the invoicing option are 0.50% higher. Rates are subject to change without notice. Exclusions and limitations apply.

* Payment Example: Monthly payments for a $5,000 loan at 5.99% APR with a term of four years would result in 48 monthly payments of $117.40.

2 The Affordable Home Improvement Program is available only in counties where SunTrust has deposit-taking branches or ATMs, to clients with properties located in federally designated low- or moderate-income census tracts and/or who have incomes below 80% of the area median income, as updated by the Department of Housing and Urban Development. Subject to credit approval. Exclusion and limitations apply. Program subject to change without notice.

3 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.

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