LightStream Home Improvement Loan vs. SoFi Home Improvement Loan
Side-by-side comparison · Updated 2026 · Independently reviewed
LightStream Home Improvement Loan
LightStream
4.6
APR 7.99–25.99%. Up to $100K. Same-day funding.
Full review →
WealthSpott Verdict
LightStream Home Improvement Loan wins on more measurable categories — particularly on rate and cost. SoFi Home Improvement Loan may still be the right fit depending on your loan amount and term needs.
Feature
LightStream Home Improvement
SoFi Home Improvement
APR Range
7.99% – 25.99% Best
8.99% – 25.81%
Loan Amount
$5,000 – $100,000
$5,000 – $100,000
Term Length
24–84 months
24–84 months
Origination Fee
None
None
Min Credit Score
660+ Best
680+
Funding Speed
Same day
Same day to a few days
LightStream Home Improvement Loan
Pros
- Low rates
- Low rates
- Same-day funding
- Same-day funding
- No fees
- No fees
Cons
- Strong credit needed
- Strong credit needed
- Unsecured only
- Unsecured only
SoFi Home Improvement Loan
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