LightStream Home Improvement Loan vs. Wells Fargo 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 →
Wells Fargo Home Improvement Loan
Wells Fargo
4.0
APR 9.49–24.99%. Up to $100K. Major bank support.
Full review →WealthSpott Verdict
LightStream Home Improvement Loan wins on more measurable categories — particularly on rate and cost. Wells Fargo Home Improvement Loan may still be the right fit depending on your loan amount and term needs.
Feature
LightStream Home Improvement
Wells Fargo Home
APR Range
7.99% – 25.99% Best
9.49% – 24.99%
Loan Amount
$5,000 – $100,000
$3,000 – $100,000
Term Length
24–84 months
12–84 months
Origination Fee
None
None
Min Credit Score
660+
660+
Funding Speed
Same day
1–3 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
Wells Fargo Home Improvement Loan
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