Kitchen remodel financing with no home equity required.
Cabinets, counters, and the range you actually want — financed at a fixed rate with no home equity required and no lien on your house. The project stays about the kitchen, not the paperwork.
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.
- Custom or semi-custom cabinetry and millwork
- Stone, quartz, or solid-surface countertops
- Appliances, a vent hood, and a professional range
- Layout changes, lighting, flooring, and backsplash
Why a Lightstream loan.
No home equity required
This loan is unsecured, so a kitchen renovation does not put a lien on your house or draw down the equity you have built. Your home stays entirely yours.
A rate fixed for the whole build
Remodels overrun on time, not just budget. A fixed payment means the financing does not become a moving target while you wait on cabinets or a back-ordered range.
Long terms for a real renovation
A kitchen is one of the larger home projects, so this purpose offers the program’s longer terms — sizing the payment to the scope rather than to a short window.
One draw across every trade
Funds land in your account, so the cabinetmaker, the counter fabricator, and the electrician are all paid on schedule from a single loan.
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.
A HELOC can offer a lower rate but requires an appraisal and closing, carries a variable rate, and records a lien on your home. A fixed-rate personal loan funds in days, adds no lien, and locks the payment — often the better balance of cost, speed, and keeping your equity free for anything else.
Yes. Because funds are deposited to your account, a single loan can pay the cabinet shop, the countertop fabricator, the appliance retailer, and the electrician on their own timelines — no draw requests, no lender inspections between phases.
A loan is fixed at the amount you draw, so plan for the full scope — including a contingency — up front. If costs grow after funding, you can apply for a separate loan for the additional work rather than reopening the first one.
This purpose supports the program’s longer term bands, shown in the calculator. A longer term lowers the monthly payment on a full renovation; the calculator displays the total-interest difference so the choice is deliberate.
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.