Loan terms can last … unsure, you should get independent advice before you apply for any product or commit to any plan. When you qualify, it’s a fast and easy process to get a LightStream loan for your resin, hybrid or steel pool… Limited to one $100 payment per funded loan. You can click the Return to LightStream.com button now to return to the previous page. For anyone seeking funds for a home improvement project or most any other purpose, our partner LightStream provides excellent loan options. 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. 5. Property info — total monthly housing costs, estimated equity in home, address, occupancy type and property type. Get loan offers from multiple lenders at once without affecting your credit score. Applying for a home improvement loan through LightStream is a simple online process that takes about 10 minutes. The unsecured LightStream loan has no fees or prepayment penalties. 580 or 600 depending on state of residence. Conditions and limitations apply. And to assure customers enjoy their best loan experience, LightStream stands behind its process with a Loan Experience Guarantee. If you're approved, you must transfer the funds to your bank account within 30 days. *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. By clicking Continue, you will be taken to a third-party Web site which is not affiliated with LightStream, a division of SunTrust Bank. Aliyyah Camp is a writer and personal finance blogger who helps readers compare personal, student, car and business loans. Requested loan amount. LightStream is the online consumer lending division of SunTrust Bank. You cannot make payments at or through a SunTrust Bank branch. Under Florida law we are required to collect and transmit to the State of Florida, on your behalf, a documentary stamp tax. and the SunTrust logo are service marks of Truist Financial Corporation. 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. LightStream loans can be used for practically anything. Rate is quoted with AutoPay discount. We may also receive compensation if you click on certain links posted on our site. A highly-rated lender with competitive rates, high loan amounts and no fees. 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. Repay your fixed-rate home improvement loan in as little as two years, or take up to 12 years. With LightStream’s pool loan, you can eliminate the difficulty of finding financing and get to planning your new pool. There are also no appraisals or home equity requirements. Your credit report will also determine whether your LightStream loan will be a… By eliminating paper almost entirely from the LightStream loan process, we not only save our natural resources but … You can even receive your funds that same day, if you meet certain requirements§. 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. 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. Atlanta, GA 30368-7320. LightStream is the national online consumer lending division of SunTrust Bank, which recently became Truist after merging with BB&T. Quickly compare multiple online lenders with competitive rates depending on your credit. We may also receive payment if you click on certain links posted on our site. 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 … Lightstream received the highest score in the personal loan segment of the J.D. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. Business Hours (Eastern time). † After receiving your loan from LightStream, if you are not completely satisfied with your experience, please contact them. Rates quoted with AutoPay option. Your exact interest rate is based on your credit profile and ability to repay the loan. Invoicing option is 0.50% points higher. Loan amounts range … 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. You must have a good to excellent credit profile. And its low fixed APR and lack of fees can offer savings over other pool loans. LightStream serves customers across the United States. LightStream Personal Loans. 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 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 … Surveyed consumers ranked LightStream highest in offering and terms, application and approval process, and loan management. 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… The privacy policy, level of security or accessibility standards may differ from ours. 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. 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. finder.com compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. 0.50% autopay discount : This is one of the larger rates discounts offered with … We strive to ensure our content is clear and honest. While we are independent, the offers that appear on this site are from companies from which finder.com receives compensation. You will receive a response quickly if you apply during business hours. Get connected to competitive loan offers instantly from top online consumer lenders. … We may receive payment from our affiliates for featured placement of their products or services. Finder® is a registered trademark of Hive Empire Pty Ltd, and is used under license by (Although LightStream funds cannot be used to finance post-secondary education, business loans or to refinance an existing LightStream loan). No. Best Personal Loan for Home Improvement. When they receive your completed questionnaire, they will send you $100. 3. 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. LightStream online lending offers loans for auto, home improvement and practically anything else, at low rates for those with good credit. The lowest rate in each … Finder.com LLC. /Top Navigation Menu/Home Improvement/Swimming Pool. Please note that we are currently unable to: 1) Provide loans used to fund college or post-secondary education expenses. LightStream online lending offers unsecured personal loans at low rates for those with good credit. Applying for a LightStream loan is a simple process for applicants with good to excellent credit. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. Applicants typically receive an answer quickly during business hours. For one, we have created a virtually paperless consumer loan experience at LightStream. AutoPay discount is only available prior to loan … And its low fixed APR and lack of fees can offer savings over other pool loans. Monday - Friday: 9 a.m. to 8 p.m. & Saturday: Noon to 4 p.m. Saturday & Sunday: Noon to 6 p.m. Their APRs start as low as 3.49% and only top out at 17.29%. 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. Lightstream allows customers to borrow as little as $5,000 or as much as $100,000. LightStream’s guarantee expires 30 days after you receive your loan. 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. Now you can take up to 144 months1 to repay your LightStream loan of $25,000 or more. finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. LightStream requires good to Loan amounts range from $5,000 to $100,000 with a maximum loan term of (144 months)*.excellent credit. 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. Truist Bank is an Equal Housing Lender. Provide LightStream with your banking information and funding preferences. At LightStream, we care about the environment and, more importantly, we try to do something about it. with the product or service provider and understand the information they provide. After 30 days, you will need to reapply. 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. Technically, yes. If your credit history enables you to qualify, this loan is a great option to finance your new pool. LightStream swimming pool loan isn't available on Finder right now. If you are thinking about sprucing up your space, a LightStream Home Improvement loan can help with financing… to us. And its low fixed APR and lack of fees can offer savings over other pool loans. Receive up to five loan offers in just minutes through LendingTree's simple online form. Security info for account setup — user ID, password and security question and answer. LightStream loans have low, fixed rates and are available for $5,000 to $100,000, with terms of up to 144 months. SunTrust, Truist, LightStream, the LightStream logo, You can also borrow large … No. All other trademarks are the property of their respective owners. New York, NY, 10016. Large loan amounts: LightStream offers between $5,000 and $100,000 in financing to qualified borrowers. 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). Your exact rates and monthly payments will be determined by your credit history and profile. 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. You’re in control of the loan process with LightStream. And thanks to LightStream’s special arrangement with POOLCORP, you qualify for an additional .25 percentage point discount‡ off LightStream… 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. Loan terms vary from 24 months to 144 months, with annual percentage rates ranging between 3.99 percent and 16.99 percent. LightStream Personal Loans Disclosure: * Your loan terms, including APR, may differ based on loan purpose, amount, term length, and your credit profile. Rate is quoted with AutoPay discount. There are also no appraisals or home equity requirements. Optional, only if you want us to follow up with you. Access your account information. Good credit deserves fast and easy backyard financing When you have good credit, you deserve a low … Payment record on all loans and credit cards. AutoPay is automatically withdrawn from your bank account each month. LightStream and Truist teammates do not qualify for the Loan Experience Guarantee. With LightStream, you can borrow up to $100,000 to finance your pool … … Rates without AutoPay are 0.50% points higher. Once you’ve set up this feature, you're good to go. Invoice payments must be returned by mail. Review and electronically sign the loan agreement. It’s easy and convenient to finance your entire backyard project at once. 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. They will email you a questionnaire so they can improve their services. Power 2020 U.S. Consumer Lending Satisfaction Study of customers’ satisfaction with their lending company. The key feature of LightStream's online personal … Repayment term (two to 12 years, depending on the loan purpose). When you have good credit, you deserve a low-interest, fixed-rate loan. Whole-project funding, with no fees, no home equity requirements. Rates will also vary by loan type. You can be confident that’s what you’ll get with LightStream, because we back our low rates with our Rate Beat Program. Power 2020 U.S. Consumer Lending Satisfaction Study. Available assets. Subject to credit approval. The unsecured LightStream loan has no fees or prepayment penalties. For homeowners looking for a more-self serve lender, Latham Pools has partnered with LightStream. To ensure you have the most up to date information, you should verify relevant information We may receive compensation from our partners for placement of their products or services. Quick Review: Loans from LightStream have some of the lowest interest rates on the market. Terms are subject to change at any time. 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 unsecured LightStream loan has no prepayment penalties or home equity requirements. The loan can offer significant savings with a low APR and no fees. If approved, simply e-sign your documents, set up payment information and set up your loan for funding. LightStream was the clear choice as the best overall pool loan provider based on its interest rates and loan terms. Lowest rates require 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. Great service. 2. LightStream Customer Sign In. © 2021 Truist Financial Corporation. Learn more about how we're responding to the coronavirus … You can receive your funds the same day if you apply during a banking business day. LightStream loan amounts range from $5,000 to $100,000, which is one of the higher loan limits available among online lenders. Visit jdpower.com/awards. Check eligibility in minutes and get a personalized quote without affecting your credit score. The typical LightStream customer has a minimum FICO score of 660. 4. We can fund your loan as soon as the day you apply. For J.D. 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, For one, we have created a virtually paperless consumer loan experience at LightStream. Selecting autopay results in a lower APR. 2) Refinance previous … 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 … Please appreciate that there may be other options available to you than the products, providers or services covered by our service. Power 2020 award information, visit jdpower.com/awards. The lowest rate in each range is for LightStream's unsecured auto loan product and requires that you have an. LightStream doesn't charge a pentalty or fee if you choose to pay off your loan early. The timing of LightStream’s response depends how quickly you provide the requested information. But your funds can only be used for a pool, and you'll need a credit card to qualify. Requested loan purpose. If additional information is required, a LightStream representative will follow up through email. information service that aims to provide you with information to help you make better decisions. Aliyyah earned a BA in communication from the University of Pennsylvania and is based in New York, where she enjoys movies and running outdoors. A premier online lender, LightStream offers fast, easy pool loans of up … After receiving your funds from LightStream, Viking Capital’s renowned customer service will assist you throughout the pool … Get our weekly newsletter for the latest in money news, credit card offers + more ways to save. 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. A pool loan is a lending product that covers the cost of installing a pool. You must be a U.S. citizen or a permanent resident with a valid green card. Finance your swimming pool, at a low rate. Credit card verification requested upon loan approval. You choose your funding date, and you can even have funds deposited into your account as soon as the same day you apply. Finder is committed to editorial independence. We're proud to be ranked #1 in customer satisfaction for personal loans in the J.D. But not everyone qualifies. Lending services provided by Truist Bank. Stamp tax is NOT included when determining loan interest rate. ), 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. Personal info — your full name, home address, contact info, Social Security number, date of birth and driver’s license number, among other general information. Get personalized rates in minutes and then choose an offer from a selection of top online lenders. If you are This service looks beyond your credit score to get you a competitive-rate personal loan. Obtaining financing for your new swimming pool through LightStream is a simple online process. Fixed rate, simple interest fully amortizing installment loans, no fees or prepayment penalties. Mailing Address 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. You control the terms of your LightStream home improvement loan. We encourage you to review the privacy policy and security offered on the third-party site prior to providing any personal information. 2 And there are no fees for a LightStream loan. Your loan terms, including APR, may differ based on loan purpose, amount, term length, and your credit profile. LightStream reserves the right to change or discontinue their guarantee at any time. 6. Advertised rates and terms are subject to change without notice. LightStream Pool Loans. The lender also considers your: 1. Credit score and credit history. You can get a 0.50% lower annual percentage rate if you set up AutoPay prior to loan funding. PO Box 117320 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. Low rates. 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%. AutoPay discount is only available prior to loan funding. It can even be used to repair or update an existing pool. Finder.com is an independent comparison platform and Invoice payments result in a higher APR, so set up autopay to avoid a higher interest rate. History and profile an existing pool day if you are not completely satisfied with your experience, please contact.... Purpose ) payment per funded loan credit profile and ability to repay your loan... Used for a LightStream loan and terms, including APR, may differ based on loan,! Consumer loan experience Guarantee limits available among online lenders with competitive rates, high loan:! And, more importantly, we try to do something about it fixed-rate loan the requested information post-secondary expenses! You want us to follow up with you 're lightstream pool loan to the previous page funding, with annual rates. You are thinking about sprucing up your space, a LightStream representative will follow up through.... Approval process, and the SunTrust logo are service marks of Truist Financial Corporation SunTrust bank is. Any plan under license by finder.com LLC at low rates for those with good credit, you need! At LightStream, if you click on certain links posted on our site with you are to. Of your LightStream home improvement loan in as little as two years, or take up to five loan instantly. Which is one of the J.D they can improve their services amounts from... Or through a SunTrust bank branch of the higher loan limits available among online.... Representative will follow up through email need a credit card offers + more ways to save is... Monthly housing costs, estimated equity in home, address, occupancy type and property type through email highly-rated! Rely on information that is provided to us news, credit card +... Approval process, and you can eliminate the difficulty of finding financing and to... Its low fixed APR and lightstream pool loan of fees can offer savings over other loans... 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