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.
Finance any home improvement project, 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. 1
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.
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.
Finally, a loan that rewards your credit.
When you have a track record of financial responsibility, you deserve an exceptional rate and superior service. LightStream customers share these characteristics:
Credit history
Several years of credit history with a variety of account types such as major credit cards, installment debt (vehicle loans), and mortgage debt if applicable.
Assets
An ability to save evidenced by: liquid assets, cash down payments on real estate, retirement savings, and manageable revolving credit card debt.
Income
Stable and sufficient income and assets to repay current debt obligations and any new loan with LightStream.
Payment history
A good payment history with few, if any, delinquencies or other problems repaying debt obligations.
What information do we collect?
When you visit the LightStream website, application or otherwise interact with us online, we may collect the below information:
- Your browser type
- Your IP address (Your IP address is a number that is automatically assigned to your device by your Internet Service Provider. An IP address is identified and logged automatically whenever you visit a site, along with the time of the visit and the page(s) that were visited.)
- The presence of any software on your device that may be necessary to view our site
- Information about the device you are using
- Personal information submitted on applications, forms, and electronic messaging. Personal information includes:
- Name
- Social Security Number
- Address
- Telephone number
- Account numbers
- Usernames
- Passwords
- Other non-public information
