LightStream Loan Types 2026 — All 30+ Purposes Explained

🏠 Home Improvement Loans

LightStream's home improvement loan is widely considered its best product. It's one of the few lenders to offer an unsecured home improvement loan up to $100,000 with a 20-year repayment term — terms normally reserved for home equity loans that require your house as collateral.

You can use the funds for nearly any home project: kitchen or bathroom remodels, roofing, new windows, HVAC systems, solar panel installation, swimming pools, driveways, landscaping, basements, and much more.

✓ Key Advantages

No collateral — home is not at risk
Terms up to 20 years
Starting APR of 6.49% (with autopay)
Schedule funding up to 90 days post-approval

✗ Limitations

Must have good-to-excellent credit
Minimum loan of $5,000
No prequalification on site

Auto

🚗 Auto Loans (New, Used & Refinance)

LightStream's auto loans are unsecured — meaning your vehicle is not used as collateral. This is unusual in the industry and gives you more flexibility. You can finance new cars, used vehicles, classic cars, motorcycles, and even ATVs. Private-party purchases are also allowed.

🆕

New Auto Purchase

Starting at 6.49% APR with autopay. No restrictions on make, model, year, or mileage. Dealer or private seller.

🔄

Used Auto Purchase

Starting at 6.79% APR. No vehicle age restrictions. Great alternative to high-rate dealer financing.

🔃

Auto Refinance

Starting at 6.79% APR. If your credit has improved since your original loan, refinancing with LightStream could save significantly.

Finance

💳 Debt Consolidation

If you're carrying high-interest credit card debt, a LightStream debt consolidation loan starting at 7.24% APR could reduce your interest costs significantly compared to the average credit card rate of 21%+. Unlike some lenders, LightStream deposits funds directly into your bank account — you manage the payoffs yourself.

💡

A $20,000 balance at 21% credit card APR costs ~$4,200/year in interest. The same balance at 7.24% LightStream APR costs ~$1,448/year — a potential saving of over $2,700 annually.

Recreation

🛥️ Recreation & Boat Loans

LightStream finances boats, RVs, campers, travel trailers, personal watercraft, all-terrain vehicles, motorcycles, and timeshares with terms up to 12 years and starting at 8.49% APR.

🌟 All Other Loan Purposes

All of the following use the general personal loan starting rate (7.49% APR with autopay) unless otherwise noted.

🏥

Medical & Dental

Procedures not covered by insurance, including cosmetic surgery, LASIK, dental implants, orthodontics.

👶

Adoption

Cover adoption agency fees, legal costs, home studies, and travel expenses. Up to $100,000.

🧬

IVF & Fertility

Finance IVF cycles, egg freezing, surrogacy, and other fertility treatment expenses.

💒

Weddings

Finance your wedding venue, catering, photography, honeymoon, and other celebration costs.

💎

Jewelry

Purchase engagement rings or other fine jewelry. Competitive rates for a traditionally expensive purchase.

🌱

Solar Energy

Finance solar panel installation at the same low home improvement rate — 6.49% APR, 20-year terms.

✈️

Aircraft

One of few lenders to offer personal loans for light aircraft purchases. Standard loan terms apply.

🐴

Horses & Farm Animals

Finance the purchase of horses, livestock, or farm animals — a truly unique lending category.

🏡

Tiny Home

Finance a tiny home or land purchase with a personal loan — no traditional mortgage process needed.

LightStream Loan Types — All 30+ Purposes