LightStream Home Improvement Loan vs. Upgrade 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 →
Upgrade Home Improvement Loan
Upgrade
4.2
APR 8.49–35.99%. $1K–$50K. Accepts lower credit.
Full review →WealthSpott Verdict
LightStream Home Improvement Loan wins on more measurable categories — particularly on rate and cost. Upgrade Home Improvement Loan may still be the right fit depending on your loan amount and term needs.
Feature
LightStream Home Improvement
Upgrade Home Improvement
APR Range
7.99% – 25.99% Best
8.49% – 35.99%
Loan Amount
$5,000 – $100,000 Best
$1,000 – $50,000
Term Length
24–84 months
24–84 months
Origination Fee
None Best
1.85–9.99%
Min Credit Score
660+
560+ Best
Funding Speed
Same day
1 business day
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
Upgrade Home Improvement Loan
Pros
- Accepts lower credit scores
- Accepts lower credit scores
- Fast approval
- Fast approval
- Direct contractor payments
- Direct contractor payments
Cons
- Higher origination fee
- Higher origination fee
- APR can be high
- APR can be high
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