LightStream Personal Loan vs. Wells Fargo Home Improvement Loan
Side-by-side comparison · Updated 2026 · Independently reviewed
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 Personal 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 Personal Loan
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 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
Wells Fargo Home Improvement Loan
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