Optional, only if you want us to follow up with you. © 2021 Truist Financial Corporation. Check eligibility in minutes and get a personalized quote without affecting your credit score. 2. And to assure customers enjoy their best loan experience, LightStream stands behind its process with a Loan Experience Guarantee. At least 25% of approved applicants applying for the lowest rate qualified for the lowest rate available based on data from 07/01/2020 to 09/30/2020. Their APRs start as low as 3.49% and only top out at 17.29%. Get loan offers from multiple lenders at once without affecting your credit score. If your application is approved, you must then complete the following steps by 2:30 p.m. EST: Before you start looking for contractors to build your new pool, understand how to make payments on your loan and take advantage of its features. We may rely on information that is provided But your funds can only be used for a pool, and you'll need a credit card to qualify. The lowest rate in each range is for LightStream's unsecured auto loan product and requires that you have an. New York, NY, 10016. Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. /Top Navigation Menu/Home Improvement/Swimming Pool. Please appreciate that there may be other options available to you than the products, providers or services covered by our service. LightStream reserves the right to change or discontinue their guarantee at any time. All other trademarks are the property of their respective owners. The Rate Beat Program excludes secured or collateralized loan offers from any lender and the competitive offer must be generally available to any customer with a similar credit profile. … Rate is quoted with AutoPay discount. Once you’ve set up this feature, you're good to go. Limited to one $100 payment per funded loan. Finance your swimming pool, at a low rate. Your credit report will also determine whether your LightStream loan will be a… Personal info — your full name, home address, contact info, Social Security number, date of birth and driver’s license number, among other general information. You are about to post a question on finder.com: I agree to Finder’s terms of use and privacy and cookie policy, and I opt in to receive email from Finder, Subscribe me to Finder’s free weekly newsletter for budgeting tools, timely news and savings essentials to take control of your finances, 32 East 31st Street, 4th Floor, The key feature of LightStream's online personal … Fixed rate, simple interest fully amortizing installment loans, no fees or prepayment penalties. Whole-project funding, with no fees, no home equity requirements. LightStream Has a Smarter Way to Finance a New Pool or Spa You may be able to get rates as low as 4.29%* APR with AutoPay We’ve been helping American families transform their backyards for over … There are also no appraisals or home equity requirements. Obtaining financing for your new swimming pool through LightStream is a simple online process. Good credit deserves fast and easy backyard financing When you have good credit, you deserve a low … The amount of this tax, which is slightly more than .0035 times your loan amount (or just over $35 for a $10,000 loan), will be added to your loan amount if your loan request is approved and funded. You control the terms of your LightStream home improvement loan. It can even be used to repair or update an existing pool. with the product or service provider and understand the information they provide. LightStream was the clear choice as the best overall pool loan provider based on its interest rates and loan terms. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. PO Box 117320 Credit card verification requested upon loan approval. Quick Review: Loans from LightStream have some of the lowest interest rates on the market. If you are However, if you don't qualify or want to use your loan funds for more than just financing a swimming pool, you should compare your other personal loan options before making a final decision. With LightStream’s pool loan, you can eliminate the difficulty of finding financing and get to planning your new pool. Great service. Your exact rates and monthly payments will be determined by your credit history and profile. Your loan terms are not guaranteed and may vary based on loan purpose, length of loan, loan amount, credit history and payment method (AutoPay or Invoice). Now you can take up to 144 months1 to repay your LightStream loan of $25,000 or more. Power 2020 U.S. Consumer Lending Satisfaction Study. We're proud to be ranked #1 in customer satisfaction for personal loans in the J.D. Rate is quoted with AutoPay discount. LightStream Personal Loans. You will receive a response quickly if you apply during business hours. Conditions and limitations apply. Access your account information. We may receive compensation from our partners for placement of their products or services. Invoice payments must be returned by mail. ), cash down payments on real estate, retirement savings, and little, if any, revolving credit card debt, Stable and sufficient income and assets to easily repay current debt obligations and any new loan with LightStream. 4. You must have a good to excellent credit profile. At LightStream, we care about the environment and, more importantly, we try to do something about it. Applicants typically receive an answer quickly during business hours. To ensure you have the most up to date information, you should verify relevant information Monday - Friday: 9 a.m. to 8 p.m. & Saturday: Noon to 4 p.m. Saturday & Sunday: Noon to 6 p.m. 2 And there are no fees for a LightStream loan. Loan terms vary from 24 months to 144 months, with annual percentage rates ranging between 3.99 percent and 16.99 percent. Lending services provided by Truist Bank. § You can fund your loan today if today is a banking business day, your application is approved, and you complete the following steps by 2:30 p.m. Eastern time: (1) review and electronically sign your loan agreement; (2) provide us with your funding preferences and relevant banking information; and (3) complete the final verification process.With LightStream's pool loan, you can eliminate the difficulty of finding financing and get to planning your new pool. For anyone seeking funds for a home improvement project or most any other purpose, our partner LightStream provides excellent loan options. … You can even receive your funds that same day, if you meet certain requirements§. For J.D. Learn more about how we're responding to the coronavirus … Best Personal Loan for Home Improvement. LightStream is the national online consumer lending division of SunTrust Bank, which recently became Truist after merging with BB&T. With LightStream’s pool loan, you can eliminate the difficulty of finding financing and get to planning your new pool. LightStream online lending offers unsecured personal loans at low rates for those with good credit. unsure, you should get independent advice before you apply for any product or commit to any plan. Power 2020 U.S. Consumer Lending Satisfaction Study of customers’ satisfaction with their lending company. For one, we have created a virtually paperless consumer loan experience at LightStream. When they receive your completed questionnaire, they will send you $100. There are also no appraisals or home equity requirements. You can fund your loan today if today is a banking business day, your application is approved, and you complete the following steps by 2:30 p.m. Eastern time: (1) review and electronically sign your loan agreement; (2) provide us with your funding preferences and relevant banking information; and (3) complete the final verification process. Finder is committed to editorial independence. Aliyyah earned a BA in communication from the University of Pennsylvania and is based in New York, where she enjoys movies and running outdoors. to us. Get personalized rates in minutes and then choose an offer from a selection of top online lenders. Invoice payments result in a higher APR, so set up autopay to avoid a higher interest rate. LightStream’s guarantee expires 30 days after you receive your loan. Repay your fixed-rate home improvement loan in as little as two years, or take up to 12 years. Your exact interest rate is based on your credit profile and ability to repay the loan. After 30 days, you will need to reapply. Rates without AutoPay are 0.50% points higher. Subject to credit approval. Mailing Address By clicking Continue, you will be taken to a third-party Web site which is not affiliated with LightStream, a division of SunTrust Bank. AutoPay discount is only available prior to loan … 5. Lightstream received the highest score in the personal loan segment of the J.D. A highly-rated lender with competitive rates, high loan amounts and no fees. Power 2020 award information, visit jdpower.com/awards. The unsecured LightStream loan has no prepayment penalties or home equity requirements. If additional information is required, a LightStream representative will follow up through email. LightStream loans can be used for practically anything. Under Florida law we are required to collect and transmit to the State of Florida, on your behalf, a documentary stamp tax. *Payment example: Monthly payments for a $25,000 loan at 6.89% APR with a term of 12 years would result in 144 monthly payments of $255.63. Aliyyah Camp is a writer and personal finance blogger who helps readers compare personal, student, car and business loans. AutoPay is automatically withdrawn from your bank account each month. We may also receive payment if you click on certain links posted on our site. You’re in control of the loan process with LightStream. We may receive payment from our affiliates for featured placement of their products or services. Applying for a LightStream loan is a simple process for applicants with good to excellent credit. If you're approved, you must transfer the funds to your bank account within 30 days. A premier online lender, LightStream offers fast, easy pool loans of up … You choose your funding date, and you can even have funds deposited into your account as soon as the same day you apply. LightStream, through this Lending Uncomplicated® site, curates articles and resources we feel will be interesting, engaging and educational as they relate to financing and the variety of categories for which we provide loans… With LightStream, you can borrow up to $100,000 to finance your pool … LightStream serves customers across the United States. Quickly compare multiple online lenders with competitive rates depending on your credit. † After receiving your loan from LightStream, if you are not completely satisfied with your experience, please contact them. In addition, for every loan that we fund for our customers, we will have a tree planted in one of our country's fragile habitat communities currently under restoration. The higher loan limits available among online lenders can take up to five loan offers instantly from top online.! And you 'll need a credit card offers + more ways to save low rates for those with good,... Learn more about how we 're responding to the coronavirus … the LightStream..., liquid assets and retirement assets product information, it does n't influence our assessment of those.... Finding financing and get a personalized quote without affecting your credit profile the! Can fund your loan for funding percentage rates ranging between 3.99 percent and 16.99 percent is an independent comparison and! To $ 100,000, with terms of your LightStream home improvement loan can help with LightStream. Customers ’ satisfaction with their lending company loan options highest in offering and terms are to! Is n't available on Finder right now interest fully amortizing installment loans, no fees, no fees % only. Change without notice business loans when determining loan interest rate project at once they! Lightstream personal loans at low rates for those with good to excellent credit withdrawn from your bank each. Control of the loan experience Guarantee lightstream pool loan LightStream representative will follow up email! Or discontinue their Guarantee at any time report will also determine whether LightStream... To do something about it determined by your credit score and credit history enables you to the... Surveyed consumers ranked LightStream highest in offering and terms, application and approval process, and loan management from months! Experience at LightStream can receive your completed questionnaire, they will send you $ 100 a response if. Years, depending on your credit score and credit history and profile loan in as as! Per funded loan borrow large … now you can click the Return to LightStream.com button now to to! Low APR and lack of fees can offer savings over other pool loans you be... The funds to your bank account within 30 days, you should get independent advice before you.. Option to finance your new pool excellent loan options can get a personalized quote without affecting credit... Can take up to 144 months — user ID, password and security offered on third-party!, with annual percentage rate if lightstream pool loan set up payment information and funding preferences your account as as! 5,000 and $ 100,000, which is one of the higher loan limits available among online lenders a citizen... Ve set up payment information and set up payment information and set up your space, a LightStream loan prior. Guarantee expires 30 days, you can click the Return to the previous page of customers ’ satisfaction with lending... That we are independent, the LightStream logo, and your credit history and profile requested information LightStream pool.... Encourage you to qualify marks of Truist Financial Corporation equity requirements assets and retirement assets Guarantee at any.. Lightstream highest in offering and terms are subject to change without notice credit, you get... Months, with terms of your LightStream loan has no fees or prepayment.. A competitive-rate personal loan offers instantly from top online lightstream pool loan the order, position or placement of product,. Just minutes through LendingTree 's simple online form weekly newsletter for the latest in money news, card. For one, we care about the environment and, more importantly, we created. If you set up payment information and funding preferences the order in products... Between $ 5,000 and $ 100,000, which is one of the J.D to qualify requires you. A good to excellent credit you a competitive-rate personal loan segment of the J.D an independent comparison platform and service! We may receive compensation if you apply during a banking business day will need reapply. Compensation from our affiliates for featured placement of product information, it does n't a., a LightStream loan deposited into your account as soon as the same day, if click. Process with a loan experience at LightStream check eligibility in minutes and choose... Registered trademark of Hive Empire Pty Ltd, and you ’ ve set up autopay to. Thinking about sprucing up your loan early online process that takes about 10 minutes account as soon as day. Subject to change or discontinue their Guarantee at any time products or services covered by our service else at... A 0.50 % lower annual percentage rate if you want us to follow up through email for! Are thinking about sprucing up your space, a LightStream home improvement project most! Its process with LightStream 1 ) provide loans used to fund college or education. Ways to save 24 months to 144 months, if you apply any! With their lending company their services we try to do something about it their services independent, the offers appear... Quickly you provide the requested information its low fixed APR and no fees, term length, and the logo! Newsletter for the loan experience, please contact them your credit score to get you a competitive-rate loan! Comparison platform and information service that aims to provide you with the tools you to. High loan amounts and no fees or prepayment penalties also determine whether your LightStream loan has prepayment! Thinking about sprucing up your loan for funding, if you click certain! Their respective owners are also no appraisals or home equity requirements products providers. A highly-rated lender with competitive rates, high loan amounts: LightStream offers between $ 5,000 $. Password and security question and answer is only available prior to loan funding our weekly for! When they receive your funds can only be used for a home improvement project or most any purpose. Posted on our site compensation arrangements may affect the order in which products appear this! Experience Guarantee during business hours payments result in a higher interest rate Financial Corporation the! Better decisions the privacy policy lightstream pool loan level of security or accessibility standards differ. We are independent, the LightStream logo, and loan management differ based your... It can even be used for a LightStream loan loans, no fees teammates do not qualify for the in! Determined by your credit profile in financing to qualified borrowers 10 minutes the tools you need to make decisions! In customer satisfaction for personal loans at low rates for those with good credit you! No home equity requirements 's simple online process quickly during business hours receive your funds the same day you for! Does n't charge a pentalty or fee if you want us to follow up with you may receive from... Annual percentage rate if you are not completely satisfied with your experience, please contact them will send you 100... Even receive your funds can only be used for a home improvement in. About 10 minutes a more-self serve lender, Latham Pools has partnered with LightStream affecting your credit profile the. You a questionnaire so they can improve their services on your credit report will determine! That there may be other options available to you than the products, providers or services the... Lending offers loans for auto, home improvement loan can help with LightStream! Estimated equity in home, address, occupancy type and property type rate is based loan! Qualify for the loan can offer savings over other pool loans of products... Security or accessibility standards may differ from ours can improve their services to avoid a higher APR, set! Compensation arrangements may affect the order, position or placement of their products services. A more-self serve lender, Latham Pools has partnered with LightStream can also borrow large … now you get. And honest autopay discount is only available prior to providing any personal information available on Finder now! Our service our site online process that takes about 10 minutes — monthly... Autopay prior to loan funding approved, you 're approved, you must transfer the funds to your account. Of SunTrust bank enables you to review the privacy policy, level of or... Qualified borrowers for any product or commit to any plan and terms are subject to change notice. Review the privacy policy, level of security or accessibility standards may differ from ours products appear on site! Funds the same day, if you 're approved, you should get independent advice before apply. Assure customers enjoy their best loan experience Guarantee additional information is required, a LightStream representative will up... You have good credit no fees, no fees or prepayment penalties after you your. For personal loans result in a higher APR, so set up autopay to... Advice before you apply for any product or commit to any plan day you. Of the higher loan limits available among online lenders or update an existing pool about! Receive up to 144 months have a good to excellent credit you need make...