LightStream is a division of Truist Bank and a leader in unsecured personal loans. Their promise is Lending Uncomplicated®, which means clear terms, no hidden fees, and fast approvals. Unlike many lenders, LightStream offers loans specifically for tiny homes, whether you’re buying new, refinancing, or improving your setup.

Financing a tiny home is one of the biggest obstacles buyers face. Mortgages often don’t apply, RV loans can be restrictive, and many lenders won’t touch non-traditional housing. LightStream solves these issues with unsecured loans that require no appraisals, no home equity, and no down payments. With fixed rates, terms up to 20 years, and a Rate Beat Program that undercuts competitors, LightStream gives tiny home owners a direct path to ownership.

LightStream Loan Highlights

LightStream provides flexible loans that adapt to tiny home living. These options cover the most common needs.

Tiny Home Loan — Fund or refinance a tiny home with a fixed-rate loan. No collateral required, and no fees or prepayment penalties.

Home Improvement Loan — Pay for land prep, hookups, or upgrades to your space. Covers projects that help your tiny home function long-term.

RV Loan Alternative — Finance a home on wheels without the restrictions of traditional RV financing. Flexible terms make repayment manageable.

Together, these loan types make financing accessible. They let you choose how to structure your funding without limiting your lifestyle.

Loan Features

LightStream builds its loans around speed, clarity, and fairness. Every feature reduces friction for borrowers.

Fixed-rate loans from $5,000–$100,000
Terms from 24 to 240 months, depending on loan type
APRs from 8.24% to 24.89% with excellent credit (as of 2025)
Same-day funding possible if approved before 2:30 p.m. ET
Rate Beat Program guarantees rates 0.10% lower than competitors
No fees, no prepayment penalties, no down payment

These features give tiny home owners confidence. They combine competitive pricing with the flexibility alternative housing requires.

Benefits of Choosing LightStream

LightStream helps tiny home buyers clear financing hurdles with ease. Their loans provide speed, flexibility, and security.

Avoid the limits of traditional mortgages or RV loans
Fund purchases, improvements, or refinancing with one lender
Secure predictable payments with fixed rates
Apply and fund online without lengthy paperwork

With LightStream, financing stops being a barrier. Tiny home buyers gain control, clarity, and the ability to move forward quickly. With LightStream, you receive a simple, transparent process backed by a major U.S. bank. You’ll have clear loan terms, competitive rates, and funding that fits your timeline. LightStream ensures financing works with the way you plan to live tiny.

Visit LightStream Tiny House Loans

More to Love

Financing helps you secure your home, but you’ll need more to thrive. Visit our vendor directory for solar, sanitation, and heating solutions. Then explore builder and land listings to place your financed tiny home on solid ground.

Turning the keys is step one. Visit our Tiny Living Shop for budget-savvy, space-saving picks we love—modular storage, fold-flat cookware, compact heaters, tankless hot water, and energy-efficient appliances—curated to help your financed tiny home run comfortably from day one.