Financing

We’ve partnered with LightStream to bring you low rates on home improvement loans.
All lending services are provided by LightStream, a division of SunTrust Bank, and we may be compensated by LightStream through links on this site.

 

Ready to complete your home improvement project? When you have good to excellent credit, you’ve earned a low rate on a home improvement loan from our financing partner LightStream, the nation’s premier online consumer lender and a division of SunTrust Bank.

You can pay for everything related to your home improvement project with the proceeds of your LightStream loan. You can also expect:

  • Competitive fixed rates, backed by LightStream’s Rate Beat Program
  • No home-equity requirements, no fees or prepayment penalties
  • Financing from $5,000 to $100,000
  • A refreshingly simple online loan process
  • Same-day funding available1
  • Your best loan experience ever, or LightStream will give you $1002

LightStream will even plant a tree once your loan is funded!

Apply Now

“Working with LightStream has been a truly enjoyable experience. I needed a short term loan for a home improvement project. The application and approval process was easy and prompt. I have recommended LightStream to several friends looking for short term loan. Thank you very much for your service.”
— W. B. and A. B. from Madison, AL

*Your APR may differ based on loan purpose, amount, term, and your credit profile. Rate is quoted with AutoPay discount, which is only available when you select AutoPay prior to loan funding. Rates under the invoicing option are 0.50% higher. Subject to credit approval. Conditions and limitations apply. Advertised rates and terms are subject to change without notice.
1You can fund your loan today if today is a banking business day, your application is approved, and you complete the following steps by 2:30 p.m. Eastern time: (1) review and electronically sign your loan agreement; (2) provide us with your funding preferences and relevant banking information; and (3) complete the final verification process.
2After receiving your loan from us, if you are not completely satisfied with your experience, please contact us. We will email you a questionnaire so we can improve our services. When we receive your completed questionnaire, we will send you $100. Our guarantee expires 30 days after you receive your loan. We reserve the right to change or discontinue our guarantee at any time. Limited to one $100 payment per funded loan. LightStream and SunTrust teammates do not qualify for the Loan Experience Guarantee.
Tiny house_EHL SunTrust Bank is an Equal Housing Lender. © SunTrust Banks, Inc. All rights reserved. LightStream and SunTrust are federally registered service marks of SunTrust Banks, Inc. All other trademarks are the property of their respective owners. Lending services provided by SunTrust Bank, member FDIC.

Get a quote in 5 minutes Get a quote in 5 minutes
  • "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