LightStream Home Improvement Loan
Editor's ChoiceLightStream
4.6
7.99%–25.99% APR$5,000–$100,000Fee: NoneMin credit: 660+
APR Range
7.99%–25.99%
Loan Amount
$5,000–$100,000
Term
24–84 mo
Origination Fee
None
Our take
LightStream is the go-to for home improvement with low rates, no fees, and same-day funding. Unsecured—no home equity required.
Pros and cons
Pros
- +Low rates
- +Low rates
- +Same-day funding
- +Same-day funding
- +No fees
- +No fees
Cons
- −Strong credit needed
- −Strong credit needed
- −Unsecured only
- −Unsecured only
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Full details
| Minimum loan amount | $5,000 |
| Maximum loan amount | $100,000 |
| Lowest APR | 7.99% |
| Highest APR | 25.99% |
| Shortest term | 24 months |
| Longest term | 84 months |
| Origination fee | None |
| Minimum credit score | 660+ |
| Funding speed | Same day |
Frequently asked questions
What is the APR range for LightStream Home Improvement Loan?
LightStream Home Improvement Loan offers APR from 7.99% to 25.99%. Your actual rate depends on creditworthiness, loan amount, and term length.
How much can I borrow with LightStream Home Improvement Loan?
Loan amounts range from $5,000 to $100,000. The amount you qualify for depends on your income, credit score, and existing debt.
What credit score do I need for LightStream Home Improvement Loan?
A minimum credit score of 660 is typically required. However, meeting the minimum doesn't guarantee approval — lenders also consider income, debt-to-income ratio, and employment history.
Does LightStream Home Improvement Loan charge an origination fee?
No, LightStream Home Improvement Loan does not charge an origination fee, which means 100% of your approved loan amount is disbursed to you.
How fast can I get funded with LightStream Home Improvement Loan?
LightStream Home Improvement Loan typically funds loans within Same day. Actual funding time may vary based on verification requirements and your bank.
Is LightStream Home Improvement Loan worth it?
LightStream is the go-to for home improvement with low rates, no fees, and same-day funding. Unsecured—no home equity required.
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Verified Apr 2026
LightStream Home Improvement Loan