Home Improvement Loans

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Effective 12/07/2025

Loan Type	Term	APR As Low As	Monthly Payment Per $1000	Description
Home Heating Loan	Up to 12-Months	5.69%	$85.92	$1,000 Minimum/$5,000 Maximum
Energy Efficiency Loan	Up to 84-Months	2.00%	$12.77	Must get approval by Electric company. $15,000 Maximum
Energy Efficiency Loan - Eversource Customers	Up to 84-Months	0.00%	$14.97	Must get approval by Electric company. $15,000 Maximum
No Equity Loan	Up to 60-Months	10.69%	$21.59	$1000 Minimum/$60,000 Maximum
No Equity Loan	Up to 84-Months	11.69%	$16.96	$1000 Minimum/$60,000 Maximum

General Loan Disclosure

Rates shown as an Annual Percentage Rate (APR) and is subject to change without notice. APR is accurate as of date listed above.

Personal Signature Loan

Rates include loan discount. A 0.10% discount will be applied to an eligible loan for each of the following qualifying factors: having an active checking account with Lighthouse; having an automatic payment established on the loan; having an active Lighthouse credit card product. A total discount of up to 0.30% will be applied to the base rate a member qualifies for. Must request loan discount within 90 days of the loan closing date. Discount conditions will be set forth in the Loan Discount Addendum. Rates and amounts financed are determined by your personal credit history, account relationship and payment method. Other terms and rates may be available. All loans are subject to credit approval.
The terms of repayment, which reflects the repayment obligations over the full term of the loan. A payment example is 60 monthly payments of $22.10 per $1,000.00 borrowed.
Minimum term during repayment period is 12 months and maximum is 60 months.
The personal signature loan APR* (Annual Percentage Rate) is based on credit score and risk-based pricing. The maximum APR is 18%. Please refer to our Personal Loan Rates for current rates.

Personal Signature Loan, Credit Builder, Certificate Secured Loan

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