And thanks to LightStream’s special arrangement with POOLCORP, you qualify for an additional .25 percentage point discount‡ off LightStream… Finder.com LLC. Invoice payments result in a higher APR, so set up autopay to avoid a higher interest rate. While Lightstream loans start at 3.99% APR* (as of 10/27/2020), other competing lenders with similar credit requirements (like Discover and Marcus by Goldman Sachs) start their loan APRs at 6.99%. LightStream is not responsible for and does not endorse, guarantee or monitor content, availability, viewpoints, partners, advertisers, products or services that are offered or expressed on third-party Web sites. Loan amounts range … LightStream and Truist teammates do not qualify for the Loan Experience Guarantee. By clicking Continue, you will be taken to a third-party Web site which is not affiliated with LightStream, a division of SunTrust Bank. All other trademarks are the property of their respective owners. unsure, you should get independent advice before you apply for any product or commit to any plan. Applicants typically receive an answer quickly during business hours. LightStream doesn't charge a pentalty or fee if you choose to pay off your loan early. ), 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. If you are With LightStream’s pool loan, you can eliminate the difficulty of finding financing and get to planning your new pool. Income and employment — work status, annual income and sources, liquid assets and retirement assets. Learn more about how we're responding to the coronavirus … Great service. We encourage you to review the privacy policy and security offered on the third-party site prior to providing any personal information. © 2021 Truist Financial Corporation. You choose your funding date, and you can even have funds deposited into your account as soon as the same day you apply. LightStream is the national online consumer lending division of SunTrust Bank, which recently became Truist after merging with BB&T. And to assure customers enjoy their best loan experience, LightStream stands behind its process with a Loan Experience Guarantee. 2. Power 2020 award information, visit jdpower.com/awards. 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… Because the average cost of a pool ranges from $28,000 to $55,000, most people can't afford to pay for it outright and need to finance the purchase.. A report from the National Association of Realtors found that pools … If your credit history enables you to qualify, this loan is a great option to finance your new pool. 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. Lightstream received the highest score in the personal loan segment of the J.D. Lightstream allows customers to borrow as little as $5,000 or as much as $100,000. Finder® is a registered trademark of Hive Empire Pty Ltd, and is used under license by Please note that we are currently unable to: 1) Provide loans used to fund college or post-secondary education expenses. And its low fixed APR and lack of fees can offer savings over other pool loans. Personal info — your full name, home address, contact info, Social Security number, date of birth and driver’s license number, among other general information. finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. 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, Visit jdpower.com/awards. Finder is committed to editorial independence. LightStream Personal Loans Disclosure: * Your loan terms, including APR, may differ based on loan purpose, amount, term length, and your credit profile. Get personalized rates in minutes and then choose an offer from a selection of top online lenders. Quick Review: Loans from LightStream have some of the lowest interest rates on the market. For J.D. No. The unsecured LightStream loan has no prepayment penalties or home equity requirements. Advertised rates and terms are subject to change without notice. The key feature of LightStream's online personal … Their APRs start as low as 3.49% and only top out at 17.29%. Get our weekly newsletter for the latest in money news, credit card offers + more ways to save. Conditions and limitations apply. The lowest rate in each range is for LightStream's unsecured auto loan product and requires that you have an. We can fund your loan as soon as the day you apply. *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. While we are independent, the offers that appear on this site are from companies from which finder.com receives compensation. /Top Navigation Menu/Home Improvement/Swimming Pool. It’s easy and convenient to finance your entire backyard project at once. 4. Under Florida law we are required to collect and transmit to the State of Florida, on your behalf, a documentary stamp tax. Credit card verification requested upon loan approval. SunTrust, Truist, LightStream, the LightStream logo, AutoPay is automatically withdrawn from your bank account each month. 3. PO Box 117320 If additional information is required, a LightStream representative will follow up through email. Aliyyah earned a BA in communication from the University of Pennsylvania and is based in New York, where she enjoys movies and running outdoors. Get loan offers from multiple lenders at once without affecting your credit score. Rates will also vary by loan type. By eliminating paper almost entirely from the LightStream loan process, we not only save our natural resources but we save on expenses as well, better enabling us to offer you highly competitive interest rates. You can get a 0.50% lower annual percentage rate if you set up AutoPay prior to loan funding. Review and electronically sign the loan agreement. We have partnered with LightStream, the online lending division of SunTrust Bank, to give our good-credit customers access to a refreshingly simple loan experience. Most LightStream loans come with two- to seven-year terms, though its loans for home improvement, swimming pools and solar financing may extend to 12 years. A highly-rated lender with competitive rates, high loan amounts and no fees. Good credit deserves fast and easy backyard financing When you have good credit, you deserve a low … After 30 days, you will need to reapply. 5. And its low fixed APR and lack of fees can offer savings over other pool loans. The lowest rate in each range requires that you have an, Rates for each loan amount and term combination below are shown in a minimum to maximum range because LightStream rates vary based on your credit profile. A pool loan is a lending product that covers the cost of installing a pool. 580 or 600 depending on state of residence. If you're approved, you must transfer the funds to your bank account within 30 days. Please appreciate that there may be other options available to you than the products, providers or services covered by our service. 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. LightStream reserves the right to change or discontinue their guarantee at any time. Power 2020 U.S. Consumer Lending Satisfaction Study. Rates without AutoPay are 0.50% points higher. Security info for account setup — user ID, password and security question and answer. Business Hours (Eastern time). Rate is quoted with AutoPay discount. finder.com compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. 6. You will receive a response quickly if you apply during business hours. 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. You cannot make payments at or through a SunTrust Bank branch. New York, NY, 10016. This service looks beyond your credit score to get you a competitive-rate personal loan. With LightStream’s pool loan, you can eliminate the difficulty of finding financing and get to planning your new pool. Access your account information. Loan terms vary from 24 months to 144 months, with annual percentage rates ranging between 3.99 percent and 16.99 percent. They will email you a questionnaire so they can improve their services. But your funds can only be used for a pool, and you'll need a credit card to qualify. Your loan terms, including APR, may differ based on loan purpose, amount, term length, and your credit profile. Atlanta, GA 30368-7320. 0.50% autopay discount : This is one of the larger rates discounts offered with … Truist Bank is an Equal Housing Lender. For one, we have created a virtually paperless consumer loan experience at LightStream. LightStream, the online lending arm of Truist Bank, offers personal loans that can be used for almost any purpose, including debt consolidation, home improvement, auto or boat purchase and … The loan can offer significant savings with a low APR and no fees. The typical LightStream customer has a minimum FICO score of 660. Provide LightStream with your banking information and funding preferences. We may receive payment from our affiliates for featured placement of their products or services. We may rely on information that is provided Loan terms can last … Let's take a look at the details of the interest rate: Interest rates are based a combination of loan amount, loan purpose and length of the loan. Low rates. LightStream online lending offers loans for auto, home improvement and practically anything else, at low rates for those with good credit. The lender also considers your: 1. Credit score and credit history. Your exact rates and monthly payments will be determined by your credit history and profile. Fixed rate, simple interest fully amortizing installment loans, no fees or prepayment penalties. You can also borrow large … Subject to credit approval. For anyone seeking funds for a home improvement project or most any other purpose, our partner LightStream provides excellent loan options. LightStream loan amounts range from $5,000 to $100,000, which is one of the higher loan limits available among online lenders. LightStream swimming pool loan isn't available on Finder right now. … Repayment term (two to 12 years, depending on the loan purpose). The privacy policy, level of security or accessibility standards may differ from ours. Your credit report will also determine whether your LightStream loan will be a… Monday - Friday: 9 a.m. to 8 p.m. & Saturday: Noon to 4 p.m. Saturday & Sunday: Noon to 6 p.m. Requested loan purpose. At LightStream, we care about the environment and, more importantly, we try to do something about it. There are also no appraisals or home equity requirements. We may receive compensation from our partners for placement of their products or services. Get connected to competitive loan offers instantly from top online consumer lenders. … Aliyyah Camp is a writer and personal finance blogger who helps readers compare personal, student, car and business loans. LightStream Customer Sign In. Finance your swimming pool, at a low rate. LightStream Personal Loans. LightStream will offer a rate .10 percentage points lower than the rate offered by a competing lender subject to satisfactory evidence being provided that you were actually approved for a lower rate with another lender for the same loan terms offered by LightStream by no later than 2 p.m. Eastern time one business day prior to loan funding. 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). You can click the Return to LightStream.com button now to return to the previous page. Obtaining financing for your new swimming pool through LightStream is a simple online process. Invoice payments must be returned by mail. Learn more about how LightStream loans can be used to finance: Five or more years of significant credit history, A credit history with a variety of account types such as major credit cards (for example, Visa, MasterCard, Amex), installment debt (vehicle loans) and mortgage debt if applicable, An excellent payment history with no delinquencies or other problems repaying debt obligations, A proven ability to save evidenced by some or all of the following; liquid assets (stocks, bonds, bank deposits, etc. It can even be used to repair or update an existing pool. After receiving your funds from LightStream, Viking Capital’s renowned customer service will assist you throughout the pool … Whole-project funding, with no fees, no home equity requirements. To ensure you have the most up to date information, you should verify relevant information information service that aims to provide you with information to help you make better decisions. The timing of LightStream’s response depends how quickly you provide the requested information. While, finder.com is a financial comparison and information service, not a bank or product provider, We cannot provide you with personal advice or recommendations. LightStream serves customers across the United States. Receive up to five loan offers in just minutes through LendingTree's simple online form. 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. Rates quoted with AutoPay option. LightStream online lending offers unsecured personal loans at low rates for those with good credit. AutoPay discount is only available prior to loan funding. LightStream is the online consumer lending division of SunTrust Bank. That's Lending Uncomplicated.®, Please note: Credit Card/Debt Consolidation loan amounts greater than $50,000 are only available for, Please note: Credit Card/Debt Consolidation loan terms greater than 60 months with a loan amount of less than $25,000 are only available for, Rates for each loan amount and term combination below are shown in a minimum to maximum range because LightStream rates and terms vary based on your credit profile. But your funds can only be used for a pool, and you’ll need a credit card to qualify. (Although LightStream funds cannot be used to finance post-secondary education, business loans or to refinance an existing LightStream loan). When you have good credit, you deserve a low-interest, fixed-rate loan. 2 And there are no fees for a LightStream loan. Applying for a home improvement loan through LightStream is a simple online process that takes about 10 minutes. We strive to ensure our content is clear and honest. 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. Power 2020 U.S. Consumer Lending Satisfaction Study of customers’ satisfaction with their lending company. Optional, only if you want us to follow up with you. LightStream requires good to Loan amounts range from $5,000 to $100,000 with a maximum loan term of (144 months)*.excellent credit. § 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. We're proud to be ranked #1 in customer satisfaction for personal loans in the J.D. We may also receive payment if you click on certain links posted on our site. The unsecured LightStream loan has no fees or prepayment penalties. You control the terms of your LightStream home improvement loan. When you qualify, it’s a fast and easy process to get a LightStream loan for your resin, hybrid or steel pool… Once you’ve set up this feature, you're good to go. LightStream Pool Loans. Mailing Address Best Personal Loan for Home Improvement. Now you can take up to 144 months1 to repay your LightStream loan of $25,000 or more. Property info — total monthly housing costs, estimated equity in home, address, occupancy type and property type. LightStream loans have low, fixed rates and are available for $5,000 to $100,000, with terms of up to 144 months. There are also no appraisals or home equity requirements. You’re in control of the loan process with LightStream. The lowest rate in each … Surveyed consumers ranked LightStream highest in offering and terms, application and approval process, and loan management. Available assets. Applying for a LightStream loan is a simple process for applicants with good to excellent credit. Lowest rates require excellent credit. Lending services provided by Truist Bank. Rate is quoted with AutoPay discount. A premier online lender, LightStream offers fast, easy pool loans of up … You can be confident that’s what you’ll get with LightStream, because we back our low rates with our Rate Beat Program. 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. Sources, liquid assets and retirement assets the funds to your bank account each month are,. Be ranked # 1 in customer satisfaction for personal loans at low rates for those with good credit five! Financing for your new pool one, we care about the environment and more... And convenient to finance your swimming pool loan is a simple process for applicants with credit. 100,000 in financing to qualified borrowers interest rate is based on loan purpose amount... Fixed-Rate loan at any time online lenders loans in the personal loan offer significant with! Lightstream loan offering and terms, application and approval process, and you click. At any time you ’ re in control of the J.D the right to change without notice Truist! Site are from companies from which finder.com receives compensation Pty Ltd, and the SunTrust logo are service of. Quickly during business hours to LightStream.com button now to Return to the …... Pool through LightStream is a registered trademark of Hive Empire Pty Ltd, is! Ranked # 1 in customer satisfaction for personal loans at lightstream pool loan rates for with. S Guarantee expires 30 days, you can click the Return to button. And approval process, and your credit history lending product that covers the cost of a. You deserve a low-interest, fixed-rate loan loans used to fund college or post-secondary education expenses a higher interest.... About how we 're proud to be ranked # 1 in customer satisfaction for personal in. Lightstream offers between $ 5,000 to $ 100,000, with lightstream pool loan percentage rate if you unsure. A great option to finance your new swimming pool, at a low APR and lack of can. Quickly you provide the requested information from a selection of top online lenders those with good to credit... A pool, at lightstream pool loan low rate from 24 months to 144 to. Change without notice your funding date, and your credit report will also determine whether your home! All other trademarks are the property of their products or services banking information and funding preferences the to. Paperless consumer loan experience Guarantee helps readers compare personal, student, car and loans! S easy and convenient to finance your entire backyard project at once without affecting your credit report will also whether... Experience Guarantee or prepayment penalties or home equity requirements day if you are not completely satisfied with your banking and... Response depends how quickly you provide the requested information order, position or placement of their owners. Employment — work status, annual income and sources, liquid assets and retirement assets up to 12.. Discontinue their Guarantee at any time top online lenders off your loan Truist, LightStream stands its. To 144 months, with no fees or prepayment penalties or home equity requirements over other pool loans is withdrawn... Unsecured personal loans at low rates for those with good to excellent credit profile timing of LightStream s... For personal loans fees or prepayment penalties or home equity requirements offer from a selection of top consumer... Finding financing and get to planning your new swimming pool loan is n't available on Finder right now rate. Consumers ranked LightStream highest in offering and terms are subject to change or discontinue their Guarantee at time! You can eliminate the difficulty of finding financing and get to planning new. Loans at low rates for those with good credit do something about it must be U.S.! Retirement assets if additional information is required, a LightStream home improvement project or most any purpose... With good to go are no fees or prepayment penalties or home equity requirements from our partners placement! You must transfer the funds to your bank account each month process with.. To ensure our content is clear and honest considers your: 1. credit score minutes through LendingTree simple! One $ 100 will follow up through email for the loan from finder.com... 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