LightStream Personal Loan vs. SoFi Home Improvement Loan
Side-by-side comparison · Updated 2026 · Independently reviewed
WealthSpott Verdict
LightStream Personal 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 Personal Loan
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 Personal Loan
Pros
- Low APR for qualified borrowers
- Low APR for qualified borrowers
- Same-day funding
- Same-day funding
- No fees
- No fees
Cons
- Higher credit required
- Higher credit required
- No prequalification
- No prequalification
SoFi Home Improvement Loan
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