LightStream Home Improvement Loans

Personal Loans up to $35,000 built for Home Improvement.

1. Upgrade your home now, pay for it over time
2. Loans up to $35,000
3. Low fixed rates and affordable monthly payments
4. No prepayment fees

Personal loans made through Upgrade feature APRs of 6.98%-35.89%. All personal loans have a 1.5% to 6% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. For example, if you receive a $10,000 loan with a 36-month term and a 17.98% APR (which includes a 14.32% yearly interest rate and a 5% one-time origination fee), you would receive $9,500 in your account and would have a required monthly payment of $343.33. Over the life of the loan, your payments would total $12,359.97. The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate depends on credit score, credit usage history, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying a loan early. Personal loans issued by Upgrade's lending partners. Information on Upgrade's lending partners can be found at https://www.upgrade.com/lending-partners/.

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• No Fees. Ever. We don't deduct a sign-up fee from your loan amount.
• Loans from $3,500 to $40,000 and fixed rates from 6.99% to 19.99% APR. Only the most creditworthy applicants qualify for the lowest rates and largest loan amounts. Rates will generally be higher for longer term loans.
• Tailored monthly payment options designed to fit your budget.
• Marcus is backed by over 150 years of Goldman Sachs' financial expertise.
• No origination fee, prepayment fee, or late fee - You only pay interest for the additional days.
• Discount when enrolled in Autopay.

Marcus By Goldman Sachs® Offer Terms and Conditions
Your loan terms are not guaranteed and are subject to our verification of your identity and credit information. To obtain a loan, you must submit additional documentation including an application that may affect your credit score. The availability of a loan offer and the terms of your actual offer will vary due to a number of factors, including your loan purpose and our evaluation of your creditworthiness. Rates will vary based on many factors, such as your creditworthiness (for example, credit score and credit history) and the length of your loan (for example, rates for 36 month loans are generally lower than rates for 72 month loans). Your maximum loan amount may vary depending on your loan purpose, income and creditworthiness. Your verifiable income must support your ability to repay your loan. Marcus by Goldman Sachs is a brand of Goldman Sachs Bank USA and all loans are issued by Goldman Sachs Bank USA, Salt Lake City Branch. Applications are subject to additional terms and conditions

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*If approved, the actual rate and loan amount that a customer qualifies for may vary based on credit determination and other factors.

‍Loans from $2,000 to $35,000* online

Funds deposited as soon as the next business day‡

Rates from 9.95% to 35.99% APR*

*If approved, the actual rate and loan amount that a customer qualifies for may vary based on credit determination and other factors.

‡ Funds are generally deposited via ACH for delivery next business day if approved by 4:30pm CT Monday-Friday

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Personal loans for any purpose

$1,000 - $35,000

All Credit Scores welcome

Large network of lenders

Use the loan for any purpose

PersonalLoans.com is not a lender, but connects consumers to its large lender network

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