Thinking about building a new pool, putting solar panels on the roof, or remodeling the kitchen or bath? When you have good credit, our national online lending division, LightStream, offers unsecured, fixed-rate loans from $5,000 to $100,000. You'll have the cash in your account to pay the contractor when you're ready—as soon as the same day you apply2. Enhance your home and your home's value.
“I wanted to let you know that this loan experience was the most pleasant and hassle-free process I've been through. Thanks for making this a simple, straightforward process.”
—J. J. from Okeechobee, FL
|What can you use this loan for?||Any type of improvement to your home. Such as remodeling your kitchen, adding a pool, or installing solar panels on your roof.|
|Loan Amount||$5,000 to $100,000|
|Interest Rate||As low as 1 APR with AutoPay|
|How to Apply||Complete online process: application to funding|
|Loan Term (months)||24 to 144 months*|
|Access to Funds||Same day funding available2|
|Unsecured vs. Secured||Unsecured. Home is not used as collateral.|
|What can you use this loan for?|
|Any type of improvement to your home. Such as remodeling your kitchen, adding a pool, or installing solar panels on your roof.|
|$5,000 to $100,000|
|As low as 1 APR with AutoPay|
|How to Apply|
|Complete online process: application to funding|
|Loan Term (months)|
|24 to 144 months*|
|Access to Funds|
|Same day funding available2|
|Unsecured vs. Secured|
|Unsecured. Home is not used as collateral.|
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 early as today2.
Important Information About These Products
1 Your loan terms, including APR, may differ based on loan purpose, amount, term length, and your credit profile. Rate is quoted with AutoPay discount, which is only available when you select AutoPay prior to loan funding. Rates under the invoicing option are 0.50% higher. If your application is approved, your credit profile will determine whether your loan will be unsecured or secured. Subject to credit approval. Conditions and limitations apply. Advertised rates and terms are subject to change without notice.
* Payment example: Monthly payments for a $10,000 loan at 6.00% APR with a term of three years would result in 36 monthly payments of $304.22.
2 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.
3 We are so confident in the competitiveness of our interest rates that we will beat an interest rate (APR) presented by any other lender by .10 percentage points, if the other lender's rate meets the terms and conditions described below:
4 After receiving your loan from us, if you are not completely satisfied with your experience, please contact us. We will email you a questionnaire so we can improve our services. When we receive your completed questionnaire, we will send you $100. Our guarantee expires 30 days after you receive your loan. We reserve the right to change or discontinue our guarantee at any time. Limited to one $100 payment per funded loan. LightStream and SunTrust teammates do not qualify for the Loan Experience Guarantee.
Use this calculator to determine the maximum home equity line of credit you can obtain.
Getting started on a home improvement project? Be sure to walk through these questions with your contractor.
Calculating your home improvement budget? It could be easier than you think. Follow these tips.
Do you know the difference between a loan or a line of credit that's secured or unsecured? You will.
If you decide to finance a home improvement, you may have lots of options. Let’s break it down.
Investment and Insurance Products:
Are Not FDIC or any other Government Agency Insured Are Not Bank Guaranteed May Lose Value
© 2019 SunTrust Banks, Inc.
Equal Housing Lender. SunTrust Bank - NMLS #93471. Member FDIC.
SunTrust, SunTrust PortfolioView, SunTrust Robinson Humphrey, SunTrust Premier Program, AMC Pinnacle, AMC Premier, Access 3, Signature Advantage Brokerage, Custom Choice Loan and SunTrust SummitView are trademarks of SunTrust Banks, Inc. All rights reserved. All other trademarks are the property of their respective owners.
Services provided by the following affiliates of SunTrust Banks, Inc.: Banking products and services are provided by SunTrust Bank, Member FDIC. Trust and investment management services are provided by SunTrust Bank, SunTrust Delaware Trust Company. Securities, brokerage accounts and insurance (including annuities) are offered by SunTrust Investment Services, Inc., a SEC registered broker-dealer, member FINRA, SIPC, and a licensed insurance agency. Investment advisory services are offered by SunTrust Advisory Services, Inc., a SEC registered adviser. GFO Advisory Services, LLC is a SEC registered investment adviser that provides investment advisory services to a group of private investment funds and other non-investment advisory services to affiliates. Mortgage products and services are offered through SunTrust Mortgage, a tradename for SunTrust Bank, and loans are made by SunTrust Bank.
"SunTrust Advisors" may be officers and/or associated persons of the following affiliates of SunTrust Banks, Inc.: SunTrust Bank, our commercial bank, which provides banking, trust and asset management services; SunTrust Investment Services, Inc., a registered broker-dealer, which is a member of FINRA and SIPC, and a licensed insurance agency, and which provides securities, annuities and life insurance products; SunTrust Advisory Services, Inc., a SEC registered investment adviser which provides Investment Advisory services.
SunTrust Private Wealth Management, International Wealth Management, Business Owner Specialty Group, Sports and Entertainment Group, and Legal and Medical Specialty Groups and GenSpring are marketing names used by SunTrust Bank, SunTrust Delaware Trust Company, SunTrust Investment Services, Inc., and SunTrust Advisory Services, Inc.
SunTrust Robinson Humphrey is the trade name for the corporate and investment banking services of SunTrust Banks, Inc. and its subsidiaries, including SunTrust Robinson Humphrey, Inc., member FINRA and SIPC.