Financing Made Easy

We may be compensated by LightStream through links on this site.

The new structure you've been thinking of building could be an easy online application away. LightStream, the nation's premier online consumer lender, offers quick financing to tackle almost any project — whether you want to build on existing residential property or on a different plot of land. It's an easy process with low rates, flexible terms and no fees or prepayment penalties. What more can you ask for in a lender?

Good credit deserves a great rate.

Good-to-excellent-credit customers deserve low-interest, fixed-rate financing and a convenient loan process. That's what LightStream delivers, so you can build your structure without breaking your budget.

From the foundation to the roof - no restrictions on structure type.

Use your funds to pay for every aspect of your project — including parts, labor and installation. There are no model restrictions, fees or land ownership requirements. Plus, the LightStream loan is unsecured, so you don't have to worry about appraisals, home equity requirements or collateral.

Easy online process puts you in control.

Apply in minutes with a simple online application, and you could get a loan from $5,000 to $100,000. LightStream has flexible terms, so you can choose what works best for you.

Get your funds, fast.

LightStream's easy, online application process is followed by quick funds. When you fill out your application and complete all of your loan information by 2:30pm EST on a business banking day, LightStream can get funds over to you as soon as the same day you apply.

The process is easier and faster than you can imagine.


Click below to apply. You will receive a response shortly during business hours.


Complete LightStream loan application; watch your email for updates.


Funds are deposited directly into your bank account. Buy with cash!

Apply below with LightStream's hassle-free, online application.
Use their monthly payment calculator to make it easy to find the best rate and terms for you.

For buildings as the primary residence:


For accessory buildings on an existing residential property:


Plant Tree

LightStream plants a tree with every loan. Your loan makes a difference!

All loans are subject to credit approval by LightStream.

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Truist Bank is an Equal Housing Lender. © 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.