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LightStream home improvement loan

Upgrade your future from {{lsiMinRate}}% APR

with AutoPay and excellent creditDisclosure 1, Disclosure 2

Unlock your home’s potential with a LightStream home improvement loan. Get funding with no loan collateral, no fees, and no home equity requirements.

Apply now Explore rates and payments
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Disclosure 1 AutoPay discount is only available prior to loan funding. Rates without AutoPay are 0.50% points higher. Excellent credit required for lowest rate. Rates range from {{lsiAutoMinRate}}% to {{lsiAutoMaxRate}}% APR with AutoPay.

Disclosure 1 AutoPay discount is only available prior to loan funding. Rates without AutoPay are 0.50% points higher. Excellent credit required for lowest rate. Rates range from {{lsiAutoMinRate}}% to {{lsiAutoMaxRate}}% APR with AutoPay.

Why choose a LightStream home improvement loan?

The LightStream unsecured loan is a Truist lending product.

No fees

 

No origination fees. No late fees. No appraisal fees. No pre-payment fees. It’s simple. We don’t have fees … for anything.

Nerdwallet Best-of awards 2026. Best Personal Loan: Home Improvement.
Finance any project

 

From minor repairs to major renovations, you can fund improvements with a low-interest, fixed-rate loan.

Get rewarded for good-to-excellent credit.

A stable financial track record deserves low rates for your home renovations.

Pay contractors, buy supplies, pay permit fees, or cover other home expenses. As part of our loan approval process, we look at factors including your credit score, credit history, assets, debt-to-income ratio, and payment history. We only approve good-to-excellent credit profiles for a LightStream home improvement loan.

Apply now for a LightStream home improvement loan.
Estimate a loan rate and monthly payment.
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Telling us a little about your needs can help us show you available loan term options.
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Lowest rate
Lowest payment
Estimated monthly payment
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Interest rate as low as
{3} APR 3
Repayment period
{4} Months
Lowest APR shown with AutoPay discount and excellent credit.
Apply now for this {6} {7} with {3} APR and monthly payment of {2} for {4} months
Choosing AutoPay can lower your rate.
In your application, you'll have the option to choose AutoPay (which includes a 0.50% points APR discount, as shown) or invoice repayment. If your loan is approved and you’ve selected AutoPay, you'll make monthly automated payments from any U.S. bank or credit union account where ACH withdrawals are allowed.
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3 Estimated payment is based on the lowest APR. Rate range for selected loan purpose: {{lsiAutoMinRate}}% to {{lsiAutoMaxRate}}% APR with AutoPay discount. (Exact rate within the range is determined by credit profile and loan amount.)
Loan terms
  • Fixed rate, simple interest, fully amortizing loan with 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 an existing LightStream loan.
  • Florida loans subject to Documentary Stamp Tax (opens in a modal}. The tax amount is not included in the quoted APR.
Input an amount between ${{lsiMinAmount}} and ${{lsiMaxAmount}}
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How a LightStream home improvement loan works

step 1
Apply online.

It takes just minutes to apply, and you'll receive a response quickly during business hours.

step 2
Review and sign your loan agreement.

Once you're approved, e-sign your agreement and schedule your funding.

Just a moment
thumbs up, step 3
Get started!

You can have funds in your account as soon as todayDisclosure 4 with same-day funding, or schedule funding when you need it. Disclosure 5

Apply now

Frequently asked questions

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Looking for something else?

Home Equity Line of Credit

A Home Equity Line of Credit may also be an option for home improvement funding—and your interest may be tax-deductible.Disclosure 6

Learn more
Mortgage refinance

Refinance your current mortgage to get cash out,Disclosure 7 change your rate, or pay it off sooner.

Learn more
Truist Future credit card

Consolidate higher-interest debt from other banks’ cards into a single payment at a lower rate—the lowest APR of any credit card we offer.Disclosure 8

Learn more
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Just a moment : loading interest rates

Disclosure 1 AutoPay discount is only available prior to loan funding. Rates without AutoPay are 0.50% points higher. Excellent credit required for lowest rate. Rates vary by loan purpose. Rates range from {{lsiAutoMinRate}}% - {{lsiAutoMaxRate}}% APR with AutoPay.

Disclosure 2 Your LightStream loan terms, including APR, may differ based on loan purpose, amount, term length, and your credit profile. Lowest rates require excellent credit. At least 33.00% of approved applicants applying for the lowest rate qualified for the lowest rate available based on data from 04/01/2026 to 06/30/2026. Rate is quoted with AutoPay discount. AutoPay discount is only available prior to loan funding. Rates without AutoPay are 0.50% points higher. 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 9.99% APR with a term of 3 years would result in 36 monthly payments of $322.62.

Maximum APR for a LightStream loan is {{lsiMaxRate}}%. Loan terms range from 24 - 240 months depending on the loan type.

{{lsiRateOptional:Rates are accurate as of}} {{lsiRateDate}} {{lsiRateOptional:and are subject to change.}} 

Disclosure 3 Estimated payment is based on the lowest APR. Rate range across all LightStream loan purposes: {{lsiAutoMinRate}}% to {{lsiAutoMaxRate}}% APR with AutoPay discount. (Exact rate within the range is determined by credit profile and loan amount.) 

Disclosure 4 You can fund your loan today by wire transfer if today is a banking business day, your application is approved, and you complete the following steps before 2:30 pm ET: (1) review and e-sign your loan agreement; (2) provide us with your funding preferences and relevant banking information; and (3) complete the final verification process. 

Disclosure 5 After you’ve been approved for a LightStream unsecured loan, funds can be deposited by wire transfer or ACH Monday through Friday, except on banking holidays.

You can schedule receipt of your funds within 5 days of approval.

Schedule a wire transfer
If you opt for a wire transfer, be sure to contact your financial institution to clarify whether there are any special instructions or fees. You must sign in to your account and schedule funding the day prior to your desired receipt date.

Same-day wire transfer
You can fund your loan today by wire transfer if today is a banking business day, your application is approved, and you complete the following steps before 2:30 pm ET: (1) review and e-sign your loan agreement; (2) provide us with the funding preferences and relevant banking information; and (3) complete the final verification process.

Schedule a direct deposit ACH transfer
To receive funds through direct deposit ACH transfer, you must sign in to your account and schedule funding the day prior to your desired receipt date before 5:30 pm ET and schedule funding before 6 pm ET.

We can’t deposit funds into a business or third-party account. Funds must be deposited into your personal bank account.

Disclosure 6 Consult your tax advisor regarding interest deductibility. A 1098 will be issued as required by law.

Disclosure 7 Availability and cash-out amount are both subject to loan-to-value ratio requirements.

Disclosure 8 Credit cards are subject to credit approval. For further information, view the Truist Future credit card disclosures.

®2017-2026 and TM, NerdWallet, Inc. All Rights Reserved.

Disclosure 1 AutoPay discount is only available prior to loan funding. Rates without AutoPay are 0.50% points higher. Excellent credit required for lowest rate. Rates vary by loan purpose. Rates range from {{lsiAutoMinRate}}% - {{lsiAutoMaxRate}}% APR with AutoPay.

Disclosure 2 Your LightStream loan terms, including APR, may differ based on loan purpose, amount, term length, and your credit profile. Lowest rates require excellent credit. At least 33.00% of approved applicants applying for the lowest rate qualified for the lowest rate available based on data from 04/01/2026 to 06/30/2026. Rate is quoted with AutoPay discount. AutoPay discount is only available prior to loan funding. Rates without AutoPay are 0.50% points higher. 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 9.99% APR with a term of 3 years would result in 36 monthly payments of $322.62.

Maximum APR for a LightStream loan is {{lsiMaxRate}}%. Loan terms range from 24 - 240 months depending on the loan type.

{{lsiRateOptional:Rates are accurate as of}} {{lsiRateDate}} {{lsiRateOptional:and are subject to change.}} 

Disclosure 3 Estimated payment is based on the lowest APR. Rate range across all LightStream loan purposes: {{lsiAutoMinRate}}% to {{lsiAutoMaxRate}}% APR with AutoPay discount. (Exact rate within the range is determined by credit profile and loan amount.) 

Disclosure 4 You can fund your loan today by wire transfer if today is a banking business day, your application is approved, and you complete the following steps before 2:30 pm ET: (1) review and e-sign your loan agreement; (2) provide us with your funding preferences and relevant banking information; and (3) complete the final verification process. 

Disclosure 5 After you’ve been approved for a LightStream unsecured loan, funds can be deposited by wire transfer or ACH Monday through Friday, except on banking holidays.

You can schedule receipt of your funds within 5 days of approval.

Schedule a wire transfer
If you opt for a wire transfer, be sure to contact your financial institution to clarify whether there are any special instructions or fees. You must sign in to your account and schedule funding the day prior to your desired receipt date.

Same-day wire transfer
You can fund your loan today by wire transfer if today is a banking business day, your application is approved, and you complete the following steps before 2:30 pm ET: (1) review and e-sign your loan agreement; (2) provide us with the funding preferences and relevant banking information; and (3) complete the final verification process.

Schedule a direct deposit ACH transfer
To receive funds through direct deposit ACH transfer, you must sign in to your account and schedule funding the day prior to your desired receipt date before 5:30 pm ET and schedule funding before 6 pm ET.

We can’t deposit funds into a business or third-party account. Funds must be deposited into your personal bank account.

Disclosure 6 Consult your tax advisor regarding interest deductibility. A 1098 will be issued as required by law.

Disclosure 7 Availability and cash-out amount are both subject to loan-to-value ratio requirements.

Disclosure 8 Credit cards are subject to credit approval. For further information, view the Truist Future credit card disclosures.

®2017-2026 and TM, NerdWallet, Inc. All Rights Reserved.

Disclosures

Truist Bank, Member FDIC. © 2026 Truist Financial Corporation. Truist, the Truist logo, Truist Purple, Truist One, and Truist Marquee are service marks of Truist Financial Corporation.

Equal Housing Lender

Investment and Insurance Products:

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

TRUIST is a service mark of Truist Financial Corporation (Truist) and its affiliates.

Services provided by Truist Financial Corporation (Truist) affiliates: Banking products and services, including loans and deposit accounts, provided by Truist Bank, Member FDIC. Trust and investment management services provided by Truist Bank. Securities, brokerage accounts and/or annuities offered by Truist Investment Services, Inc., an SEC registered broker-dealer, and member FINRA and SIPC, and a licensed insurance agency. Investment advisory services offered by Truist Advisory Services, Inc. and GFO Advisory Services, LLC, SEC registered investment advisers. Some insurance products offered by Truist Investment Services, Inc. Other insurance products offered by Marsh & McLennan Agency, LLC (as successor in interest to McGriff Insurance Services, LLC) CA License #0H18131, Kensington Vanguard National Land Services, and Crump Life Insurance Services. Truist Life Insurance Services (TLIS) is a division of Crump, Arkansas License #100103477. Variable insurance material is for broker-dealer or registered representative use only. Variable products distributed by P.J. Robb Variable, LLC, Arkansas License #100110185. Member FINRA.

Marsh & McLennan Agency LLC, Kensington Vanguard National Land Services, Crump Life Insurance Services, Truist Life Insurance Services, and P.J. Robb Variable, LLC are not affiliated with Truist Financial Corporation or any of its subsidiaries.

Truist Securities is a trademark of Truist Financial Corporation. Truist Securities is a trade name for the corporate and investment banking services of Truist and its subsidiaries. All rights reserved. Securities and strategic advisory services are provided by Truist Securities, Inc., member FINRA and SIPC. Lending, financial risk management, and treasury management and payment services are offered by Truist Bank.

Mortgage products and services are offered through Truist Bank. All Truist mortgage professionals are registered on the Nationwide Mortgage Licensing System & Registry (NMLS), which promotes uniformity and transparency throughout the residential real estate industry. Search the NMLS Registry.

Comments regarding tax implications are informational only. Truist and its representatives do not provide tax or legal advice. You should consult your individual tax or legal professional before taking any action that may have tax or legal consequences.

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New York City residents:

Translation or other language access services may be available. When calling our office regarding collection activity, if you speak a language other than English and need verbal translation services, be sure to inform the representative. A description and translation of commonly-used debt collection terms is available in multiple languages at http://www.nyc.gov/dca.

Borrowers with Limited English Proficiency (LEP) needing information can use the following resources:

The Consumer Finance Protection Bureau (CFPB) also provides additional resources for homeowners seeking payment assistance in select languages at: https://www.consumerfinance.gov/housing/housing-insecurity/help-for-homeowners/

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