Latham and LightStream

We’ve partnered with LightStream, the nation’s premier online consumer lender, to offer fast, easy financing from $5,000 to $100,000 for customers with good to excellent credit. LightStream offers low, fixed rates without any fees or prepayment penalties, so it’s simple and affordable to create your dream backyard sanctuary.

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Finance your whole backyard project without fees or home equity requirements.

The unsecured LightStream loan has no fees or prepayment penalties. There are also no appraisals or home equity requirements. It’s easy and convenient to finance your entire backyard project at once.

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.

The best loan experience you’ve ever had, guaranteed.

LightStream is so sure that it will be the best loan experience of 1 your life, there’s a $100 guarantee to back it up.

Get your funds as soon as the day you apply.2

You choose your funding date, and you can even have funds deposited into your account as soon as the same day you apply.

Financing FAQ’s

The applicant must be a U.S. resident, at least 18 years of age, and have good to excellent credit.

With LightStream, borrowers can keep their savings and continue earning interest on it. LightStream does not require home equity and does not charge fees or prepayment penalties. In addition, LightStream’s rates are fixed and often much lower than a credit card.

LightStream’s Rate Beat Program3 guarantees a rate .10 percentage points lower than the rate offered by a competing lender.

Yes. Joint applications are encouraged to apply.

No. LightStream does not charge any fees.

*Your loan terms, including APR, may differ based on loan purpose, amount, term length, and your credit profile. Excellent credit is required to qualify for lowest rates. Rate is quoted with AutoPay discount. AutoPay discount is only available prior to loan funding. Rates without AutoPay will be .50% points higher. Subject to credit approval. Conditions and limitations apply. Advertised rates and terms are subject to change without notice.

Payment example:Monthly payments for a $25,000 loan at 8.99% APR with a term of 12 years would result in 144 monthly payments of $284.37.

1 Please contact Lightstream if you are not completely satisfied with your experience after receiving your loan. Lighstream will email you a questionnaire so it can improve its services. When Lightstream receives your completed questionnaire, it will send you $100. This guarantee expires 30 days after you receive your loan. Lighstream reserves the right to change or discontinue this guarantee at any time. Limited to one $100 payment per funded loan. Truist teammates do not qualify for the Loan Experience Guarantee.

2 You can fund your loan today if today is a banking business day, the application is approved, and you complete the following steps by 2:30 p.m. Eastern time: (1) review and electronically sign Lighstream’s loan agreement; (2) provide LightStream with their funding preferences and relevant banking information; and (3) complete the final verification process.

3 LightStream will offer a rate .10 percentage points lower than the rate offered on any competing lender’s unsecured loan provided that you were approved for that lower rate (with the same loan terms offered by LightStream) no later than 2 p.m. Eastern time two business days prior to loan funding. The Rate Beat Program excludes secured or collateralized loan offers from any lender, and the competitive offer must be available to any customer with a similar credit profile. Terms are subject to change at any time.

If you believe you have been approved by another lender for a lower qualifying rate, contact LightStream customer service. We will work with you to determine your Rate Beat eligibility and obtain the necessary documentation.

houseTruist Bank is an Equal Housing Lender. © 2024 Truist Financial Corporation. Truist, LightStream, and the LightStream logo are service marks of Truist Financial Corporation. All other trademarks are the property of their respective owners. Lending services provided by Truist Bank.