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Home Improvement Financing
with LightStrream

Make your dream kitchen, bathroom, or whole-home renovation a reality with hassle-free financing from LightStream. Get $5,000 to $100,000 in funding with competitive fixed rates, no collateral, and no fees—so you can focus on your project, not the paperwork.

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Couple exploring kitchen remodel financing options on a tablet in their outdated kitchen, planning renovations with affordable loan solutions.

Why Choose LightStream for Home Improvement Financing?

  • Fast & Simple Application: Apply in minutes—no appraisals or home equity needed.
  • Competitive Fixed Rates: Rates start from 7.99% APR with AutoPay; rates range up to 20.49% based on credit.
  • No Fees or Prepayment Penalties: Enjoy transparent, hassle-free financing.
  • Fast Funding: Once approved, funds can be deposited as soon as the same day.
  • Flexible Loan Amounts: Finance projects from $5,000 to $100,000.
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Example of Monthly Payments

(*Rates quoted with AutoPay. Rates without AutoPay are 0.50% higher. Loan proceeds cannot be used to refinance an existing LightStream loan. For Florida, Documentary Stamp Tax applies.)

Loan Amount Term APR* Monthly Payment
$10,000 36 months 7.99% $311
48 months 8.49% $246
60 months 8.54% $205
84 months 8.79% $160
$20,000 36 months 7.99% $622
48 months 8.49% $493
60 months 8.54% $411
84 months 8.79% $320
$30,000 36 months 7.99% $940
48 months 8.49% $739
60 months 8.54% $616
84 months 8.79% $479
120 months 8.99% $380
144 months 8.99% $341

$10,000 loan

Term APR* P/m
36 months 7.99% $311
48 months 8.49% $246
60 months 8.54% $205
84 months 8.79% $160

$20,000 loan

Term APR* P/m
36 months 7.99% $622
48 months 8.49% $493
60 months 8.54% $411
84 months 8.79% $320

$30,000 loan

Term APR* P/m
36 months 7.99% $940
48 months 8.49% $739
60 months 8.54% $616
84 months 8.79% $479
120 months 8.99% $380
144 months 8.99% $341
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Loan Terms & Highlights

  • Fixed-Rate, Simple Interest: Fully amortizing installment loans with no fees or prepayment penalties.
  • AutoPay Rates: Rates are quoted with AutoPay. Without AutoPay, rates increase by 0.50%.
  • Loan Proceeds: Cannot be used to refinance an existing LightStream loan.
  • Florida Loans: Subject to Documentary Stamp Tax (approx. 0.0035 x loan amount, added separately).

Transform Your Home Now with LightStream Financing

Don't let budget constraints delay your home improvement plans.
Apply for LightStream Financing Today!

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Home Improvement Loan FAQs

A home improvement loan is an unsecured personal loan for funding home upgrades, repairs, renovations, and additions without using your home as collateral.

A home improvement loan allows you to borrow a fixed amount to finance your renovation project. Once approved, the funds are deposited into your account, and you repay the loan in fixed monthly installments over a set term.

You can use a home improvement loan to finance renovations such as kitchen remodels, bathroom upgrades, flooring replacements, new countertops, home additions, and other home improvements.

Interest rates start as low as 7.99% APR with AutoPay, but your actual rate will depend on your credit profile, loan term, and amount borrowed.

You can borrow between $5,000 and $100,000 to finance your home improvement project, depending on your credit profile and loan eligibility.

Loan terms range from 36 to 144 months, allowing you to choose a repayment plan that fits your budget and financial goals.

No, the loans offered are unsecured, meaning you don’t need to use your home or any other asset as collateral.

Once approved, funds can be deposited as soon as the same day, subject to your bank’s processing times.

Yes, you can pay off your loan early without any prepayment penalties.

Applying is simple! Click the "Apply Now" button, complete the online application, and receive your loan decision quickly.

Book A Free Consultation

Contact us today to explore which financing option is the right one for you.

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