Upstart Personal Loan vs. LightStream 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
Upstart Personal Loan and LightStream Home Improvement Loan are closely matched. The right choice depends on your credit profile, desired loan amount, and how quickly you need funding.
Feature
Upstart Personal Loan
LightStream Home Improvement
APR Range
6.40% – 35.99% Best
7.99% – 25.99%
Loan Amount
$1,000 – $50,000
$5,000 – $100,000 Best
Term Length
36–60 months
24–84 months
Origination Fee
0–12% of loan amount
None Best
Min Credit Score
300+ Best
660+
Funding Speed
1 business day
Same day
Upstart Personal Loan
Pros
- Considers education and job history
- Considers education and job history
- May approve fair credit
- May approve fair credit
- Fast 1-day funding
- Fast 1-day funding
Cons
- APR can be high for some
- APR can be high for some
- Origination fee possible
- Origination fee possible
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
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