Funded before the weekend
I found the boat on a Thursday and did not want to lose it to another buyer. Lightstream locked my rate that afternoon, and the funds were in my account by Saturday morning. There was no trip to a marine lender.
Equal Housing Lender256-bit TLS encryption4.9 average across 33,948 reviewsFunding as soon as the same business day1
*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.
What do you want to fund?
Estimate your rate and payment.
Estimates are priced by the same engine that underwrites the loan. Rates shown include a 0.50% AutoPay discount.
Amount to borrow
$3,000$100k+
Checking your rate here does not affect your credit score.
| Credit profile | APR with AutoPay | Monthly payment |
|---|---|---|
| Excellent780+ | —APR | —per month |
| Very good720–779 | —APR | —per month |
| Good660–719 | —APR | —per month |
Estimated APR and payment for a 60-month term. Your actual rate and payment depend on your full application.
Continue applicationThe process
How the process works.
One application covers every loan purpose we finance. Loans are unsecured — no collateral, no home equity, and no appraisal is required.
Apply online
Choose the loan purpose, the amount, and the term, then submit your application from any device. There is no paperwork to mail and no branch to visit.
Receive a same-day decision
Applications submitted during business hours are typically decided the same business day. A loan officer reviews any application that needs a closer look.
Funds go directly to your account
Once approved, sign your loan agreement electronically and confirm your banking details. Funds are deposited directly to your account — as soon as the same business day for loans approved before 2:30 p.m. Eastern time.1
Credit profiles
Good credit, met with a better rate.
Lightstream lends to applicants with good-to-excellent credit. We consider your payment history, income, and existing obligations together; the strongest profiles qualify for our lowest fixed rates.
- ExcellentCredit score 780+Eligible
- Very goodCredit score 720–779Eligible
- GoodCredit score 660–719Eligible
- BuildingCredit score Below 660Not yet eligible
Our customers love us. Find out why.
Lower than my credit union
I called my credit union first about financing the kitchen remodel, and their quote came in almost four points higher than Lightstream's fixed rate. The loan covered new cabinets, countertops, and a range hood; the application took about ten minutes; and the contractor was paid on schedule.
One payment instead of five
I was tracking five card due dates and still missing them. Now it is one fixed payment on one date, at a lower rate than any of those cards charged. My credit score has risen since I consolidated.
Recognition
Honored by the people who watch the market.
Ranked first for home-improvement loan value
The Ledger Review
2026
Rated first for customer satisfaction
Fairmont Finance Guide
2025
Ranked first for rate transparency
Consumer Rate Journal
2026
Recognized for excellence in digital lending
National Lending Index
2025
Begin your Lightstream application.
Checking your rate does not affect your credit score.
Advertising disclosures
*Loan terms vary by loan purpose, amount, term, and credit profile. The lowest advertised rates require excellent credit. 29.46% of approved applicants who applied for the lowest rate qualified for it, based on data from 01/01/2026 to 03/31/2026. The rate quoted includes the AutoPay discount; the AutoPay discount is only available prior to loan funding, and rates without AutoPay are 0.50% points higher. All loans are subject to credit approval; additional conditions and limitations apply. Advertised rates and terms are subject to change without notice.
¹Same-day funding is available if your loan is approved on a banking business day and, by 2:30 p.m. Eastern time, you complete these steps: (1) review and electronically sign your loan agreement; (2) provide us with your funding preferences and relevant banking information; (3) complete the final verification process.