Home improvement financing with no lien on your house.
Roofing, siding, windows, an addition — the projects that keep a home sound, financed at a fixed rate without a second lien or the appraisal-and-closing drag of a home-equity loan.
Fixed rates from
7.24%APR with AutoPay*
Assumes excellent credit. Your rate is determined by your credit profile, amount, and term.
Checking your rate does not affect your credit score.
What it covers.
- A new roof, siding, gutters, or exterior envelope work
- Replacement windows, doors, and insulation
- HVAC, electrical panel, or plumbing system upgrades
- A room addition, garage, or whole-home renovation
Why a Lightstream loan.
Your equity stays your equity
A personal loan does not touch the house. There is no lien recorded, no appraisal ordered, and nothing standing behind your mortgage when the work is done.
A fixed payment on essential work
The projects that protect a house should not ride a variable rate. Your payment is set the day the loan funds and holds through the entire term.
Terms sized to the scope
From a single system replacement to a full renovation, this purpose offers the program’s longer terms so a major project’s payment stays manageable.
Funded fast when it can’t wait
A failing roof or a dead furnace is not a someday project. Same-day approval for qualified applicants gets funds in your account quickly.
Loan amounts and terms.
- Loan amounts
- $3,000 – $100,000
- Repayment terms
- 2–20 years
| Loan term | APR range with AutoPay* | Example payment per $10,0002 |
|---|---|---|
| 3 years | 7.24%–18.24% | $309.87/mo |
| 4 years | 8.04%–19.04% | $244.32/mo |
| 5 years | 8.94%–19.94% | $207.29/mo |
| 6 years | 8.94%–19.94% | $179.96/mo |
| 7 years | 10.04%–21.04% | $166.22/mo |
| 10 years | 10.04%–21.04% | $132.37/mo |
| 15 years | 11.44%–22.44% | $116.44/mo |
| 20 years | 11.44%–22.44% | $106.23/mo |
Funds can be received as soon as the same business day for applications approved before 2:30 p.m. Eastern time.¹
Frequently asked questions.
Home-equity borrowing usually offers a lower rate but requires an appraisal, closing costs, weeks of processing, and a lien on your home — with a variable rate on a HELOC. A fixed-rate personal loan funds in days, adds no lien, and locks the payment, which is often the better trade for mid-sized projects or urgent repairs.
Yes. Funds are deposited to your account, so a single loan can pay a roofer, a window installer, and an electrician independently. This is simpler than a draw-based construction loan that releases money against inspections.
It is one of the most common uses. Because approval and funding can happen the same day for qualified applicants, homeowners use this for storm damage, a failed HVAC system, or a roof that cannot wait for a slower equity loan to close.
No. Unsecured lending is underwritten to your credit and income, not a loan-to-value ratio against the house. Program maximums apply and are shown in the calculator regardless of your home equity.
Related loan purposes.
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.
²Example payments are per $10,000 borrowed at the lowest APR shown for that term, include the AutoPay discount, and assume excellent credit. Your payment is determined by your amount, term, and credit profile.
Payment example: Monthly payments for a $10,000 loan at 7.24% APR with a term of 3 years would result in 36 monthly payments of $309.87.
Maximum APR for a Lightstream loan is 25.39%. Loan terms range from 24 – 240 months depending on the loan purpose.