Estimate your monthly payment, total interest, and total cost — by loan purpose, amount, and term.
Rates shown are LightStream's published starting APRs with autopay discount. Your actual rate depends on your credit profile.
* Estimates only. Actual rate depends on your credit profile. Rates from LightStream's published starting APRs as of June 2026.
| Lender | Starting APR | Max Amount | Fees | Same-Day Funding | Soft Pull Prequalify |
|---|---|---|---|---|---|
| LightStream | 6.49% | $100,000 | ✓ None | ✓ | ✗ (on site) |
| SoFi | 8.99% | $100,000 | ✓ None | ✓ | ✓ |
| Marcus by Goldman | 6.99% | $40,000 | ✓ None | ✗ | ✓ |
| Discover | 7.99% | $40,000 | ✓ None | ✗ | ✓ |
| Upgrade | 9.99% | $50,000 | ✗ Up to 9.99% | ✓ | ✓ |
The monthly payment and total interest figures above are estimates based on the APR you entered. To get your actual rate, you must apply — LightStream sets APR based on your credit score, loan purpose, loan amount, and term length. Here is how each factor affects what you will pay.
Shorter terms mean higher monthly payments but dramatically lower total interest. On a $20,000 loan at 7.99% APR: a 36-month term costs $2,571 in total interest; a 60-month term costs $4,294. That is $1,723 extra just for the lower monthly obligation. Use the calculator above to find the term where your monthly payment is manageable without paying far more than necessary.
Enrolling in autopay before your loan funds reduces your APR by 0.50 percentage points. On a $25,000 loan over 48 months, 0.50% saves approximately $302 in total interest. Always enter the autopay-discounted rate in the calculator above — it is the rate you will actually receive if you enable autopay at funding.
Home improvement loans qualify for terms up to 20 years — far longer than the standard 7-year maximum for other purposes. A $50,000 home renovation at 7.49% APR over 15 years carries a monthly payment of approximately $461 with $33,000 in total interest. Over 7 years, the monthly payment rises to $767 but total interest drops to $14,436. Use the calculator to find your comfort zone.