Financing

Financing Made Easy

We may be compensated by LightStream through links on this site.

Finance your home improvement projects with LightStream, the nation’s premier online consumer lender. Not only are you getting low rates, flexible terms and no fees, but the entire process from start to finish is undeniably simple.

When you finance with LightStream, your good credit will be rewarded.

Good-to-excellent credit customers deserve low-interest, fixed-rate financing and a convenient loan process. That’s what LightStream delivers, so you can improve your home without breaking your budget.

You’re in control of your LightStream loan.

Financing with LightStream means you can choose payment terms that fit your budget. Get a home improvement loan from $5,000 to $100,000 with flexible terms to make repaying your fixed-rate loan even easier.

Whole project funding. No fees. No home equity requirements.

When you finance with LightStream, you don’t have to deal with fees, prepayment penalties, appraisals or home equity requirements. LightStream is focused on making the process seamless for you without giving you hoops to jump through.

Get your funds, fast.

LightStream’s easy, online application process is followed by quick funds. When you fill out your application and complete all of your loan information by 2:30pm EST on a business banking day, LightStream can get funds over to you as soon as the same day you apply.

The process is easier and faster than you can imagine.

icon1

Click below to apply. You will receive a response shortly during business hours.

icon2

Complete LightStream loan application; watch your email for updates.

icon3

Funds are deposited directly into your bank account. Complete your project!

Apply below with LightStream’s hassle-free, online application.
Use their monthly payment calculator to make it easy to find the best rate and terms for you.

APPLY NOW

Plant Tree

LightStream plants a tree with every loan. Your loan makes a difference!

All loans are subject to credit approval by LightStream.

EHL Logo

Truist Bank is an Equal Housing Lender. © Truist Financial Corporation. Truist, LightStream, and the LightStream logo are service marks of Truist Financial Corporation. All other trademarks are the property of their respective owners. Lending services provided by Truist Bank.

  • "I have been fantastically happy with Area Access for many years. The service has been fabulous. The equipment is top drawer AND THE STAFF is knowledgeable, friendly, and pleasant."

    -Dot
    Read More
  • "I have been a customer for years with Area Access. They are all very helpful and knowledgeable about any of my needs."

    -Sandra Hogan
    Read More
  • "Area Access has always been there for us…scooters, lifts for the vehicle, chair lifts in the home. I have recommended them to any and all who inquire about my equipment. Often give out their business cards. Folks are all very helpful and kind."

    -C. Chitty
    Read More
  • "I have been a customer of Area Access since 1999. I was introduced to Area Access by a friend who had been a customer (handicap scooter) for years. The personnel are friendly and knowledgeable of those mobility items that are helpful to those of us who have handicapping disabilities."

    -Anonymous
    Read More