Land financing without pledging the acreage.
Raw land or a buildable lot, financed on terms that do not require the acreage itself as collateral — a fixed-rate loan funded to your account so you can close like a cash buyer.
Fixed rates from
9.99%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 raw or recreational land parcel
- A buildable residential lot
- Acreage adjoining property you already own
- A hunting, timber, or off-grid parcel
Why a Lightstream loan.
No land pledged as collateral
Land loans from a bank are secured by the parcel, with an appraisal and a lien. This unsecured loan is priced on your credit, so the land itself is not tied up.
Close as a cash buyer
Raw-land sellers value certainty. Funds in your account let you agree a price and close directly, without a land lender’s appraisal contingency slowing the deal.
Longer terms for a lasting asset
Land is a long-horizon purchase, so this purpose offers the program’s longer terms to keep the payment in proportion to the investment.
A fixed payment on patient land
Whether you build in two years or ten, a fixed rate keeps the carrying cost predictable while the parcel waits for its purpose.
Loan amounts and terms.
- Loan amounts
- $10,000 – $100,000
- Repayment terms
- 2–20 years
| Loan term | APR range with AutoPay* | Example payment per $10,0002 |
|---|---|---|
| 3 years | 9.99%–20.99% | $322.62/mo |
| 4 years | 10.79%–21.79% | $257.44/mo |
| 5 years | 11.69%–22.69% | $220.88/mo |
| 6 years | 11.69%–22.69% | $193.89/mo |
| 7 years | 12.79%–23.79% | $180.78/mo |
| 10 years | 12.79%–23.79% | $148.07/mo |
| 15 years | 14.19%–24.89% | $134.45/mo |
| 20 years | 14.19%–24.89% | $125.73/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.
Traditional land loans are secured by the parcel and typically require a sizable down payment, an appraisal, a lien, and stricter terms because raw land is harder collateral. An unsecured fixed-rate loan skips the appraisal and the lien — it is priced on your credit and funds to your account, letting you close like a cash buyer, within the personal-loan amount range.
Yes. Because the parcel is not pledged, buying the lot with this loan keeps the land free of a construction lender’s lien until you are ready to build and arrange separate construction financing. The longer terms available help keep the carrying payment manageable in the meantime.
No — because the loan is unsecured, the acreage, zoning, and improvements do not drive underwriting the way they would for a secured land loan. The constraint is the program’s amount range, shown in the calculator, not the land itself.
Yes. Buying an adjoining parcel to expand your holding is a common use. Funds go to your account, so you pay the seller directly and record the deed in your name without a lender attaching to either parcel.
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.