You control the terms of your LightStream home improvement loan.

Repay your fixed-rate home improvement loan in as little as two years, or take up to 12 years. * When you have good to excellent credit, the choice is yours.

*Your loan terms, including APR, may differ based on loan purpose, amount, term length, and your credit profile. Lowest rates require excellent credit. At least 25% of approved applicants applying for the lowest rate qualified for the lowest rate available based on data from 10/01/2021 to 12/31/2021. Rate is quoted with AutoPay discount. AutoPay discount is only available prior to loan funding. Rates without AutoPay are 0.50% points higher. Subject to credit approval. Conditions and limitations apply. Advertised rates and terms are subject to change without notice.