Lightstream Financing- Apply Now!

The process is fast and easy – and you can leave your home equity alone!

  • Flexible loan amounts, from $5,000 to $100,000
  • Same-day funding available
  • Simple online application takes minutes to complete
  • No fees, prepayment penalties or down payments
  • No liens or collateral required

From a happy Lightstream customer:

“Thank you so much! This process could not have been more painless!”

– A.G. from Marlborough, MA

* The APR listed is for an unsecured home improvement, pool, or solar system loan between $10,000 and $24,999 with a term between 24 and 36 months for applicants with excellent credit. Your APR may differ based on loan purpose, amount, term, and your credit profile. Rate is quoted with AutoPay discount, which is only available when you select AutoPay prior to loan funding. Rates under the invoicing option are 0.50% higher. Subject to credit approval. Conditions and limitations apply. Advertised rates and terms are subject to change without notice.

† 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. 

SunTrust Bank is an Equal Housing Lender.

© SunTrust Bank is an Equal Housing Lender.
© 2022 SunTrust Banks, Inc. All rights reserved.
SunTrust and LightStream are federally registered service marks of SunTrust Banks, Inc.
All other trademarks are the property of their respective owners.
Lending services provided by SunTrust Bank, member FDIC.

HFS Home Improvement Loans- Apply Now!


HFS Financial is not a lender. The information you provide to HFS Financial is not an application for a loan from HFS Financial. HFS Financial does not endorse, warrant or guarantee service or products of any lender or broker and does not guarantee and makes no representations of any rates, points, and loan programs offered by affiliates. This is not an advertisement for credit as defined by 12 CFR 1026.24.

All information is subject to change without notice. An inquiry you submit to HFS Financial is for the purpose of obtaining additional information regarding a potential loan provided by one of HFS’s third-party lenders under terms & conditions arranged directly between you and such lender, and conditioned upon the completion of all credit documentation.  APR as low as 2.99% via from participating lenders.  This assumes applicant(s) have excellent credit.  A loan for $60,000 with an APR of 2.99% for a term of 2 years would result in 24 payments of $2,576.81, assuming the applicant(s) do not pay off the loan early.  All loan programs found at have no fees or penalties for prepayment.  Not all will qualify.

HFS Financial is not responsible or liable for any products, services, information or other materials displayed, purchased, or obtained as a result of or in connection with this web site, including, without limitation, any agent referrals, loan recommendations, application, approval, pre-qualification, loan or interest rate analysis. HFS Financial recognizes that there may be differences in interest rates based on loan amount, credit history, and other factors.

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