New pool, home office, kitchen, roof? Get up to $1,000 bonus with a home improvement loan*

Unifimoney customers looking for a home improvement loan can get up to $1,000 bonus cash back through our partner program* (see terms and conditions and important disclaimers below).

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Collage of improvement photos

1.00% Bonus on your funded loan amount*

The bigger your loan the more bonus you receive.

Funds up to $100,000 available*

Choose funds from $5,000 to $100,000.

Easy online application

Apply online and receive a quick response during business hours.

No appraisal or home equity

There are also no appraisals or home equity requirements.

Not built for average

Your best loan, guaranteed. Our partner program offers fast, easy financing with exceptional rates and superior service, so good-credit customers can get funds to tackle virtually any home improvement project.

Low, fixed-rates backed by a Rate Beat Program(1)

Funds are deposited directly into your bank account

Funds can be used to pay for all of your expenses, including contractors, appliances,finishes, landscaping, and more

Golden Gate Bridge

How does it work?


Become a Unifimoney Customer

Unifimoney is available on the Apple Appstore.


Navigate to the Value Added Services Page

Go to the top right green button and select services


Click on the Home Improvement Loan Link

This will take you to a dedicated page on our partners site where you can quickly see your options and apply online.

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Indoor or outdoor renovations

It’s simple to transform your home into a place where you can enjoy a “staycation” by adding a pool, deck, waterslide, or outdoor kitchen.

Whether you want to refresh your kitchen or upgrade your bath, you can use your funds to makeover your home from the inside out.

You can get funds up to $100,000 to turn your backyard into an oasis, redo your roof, and get the landscaping that you've always dreamed of.

Bring that granny flat, outdoor studio shed or garage to life. Our partner program's affordable rates will help you make the most of your outdoor space.

Material options

Get funds for your whole project

Fund your entire project at once so you can check multiple renovations off your to-do list. You’ll get quick, hassle-free financing that doesn't require collateral so you can start your project without any headaches.

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*The not so small text

Unifimoney may be compensated through links on this site

All loans subject to credit approval by LightStream  

* Borrower must apply and fund a home improvement loan with LightStream coming directly through the Unifimoney mobile application and with cookies activated on their browser in order for this offer to be tracked and valid.  By clicking the link in the Unifimoney mobile application you give your consent that LightStream may share information about the status of your loan application (such as loan amount, term, rate) with Unifimoney. If you do not wish to share the status of your loan application, please apply by clicking here. Not agreeing to this consent makes customers ineligible to receive the bonus.

Payment of the cash bonus will be made within 8 weeks of your loan being funded and can only be dispersed into your Unifimoney high-yield checking account. 

For illustration a cash bonus payment at 1.00% of the loan amount for a loan of $50,000, you would receive $500 in bonus.

(1) LightStream will offer a rate .10 percentage points lower than the rate offered by a competing lender subject to satisfactory evidence being provided that you were actually approved for a lower rate with another lender for the same loan terms offered by LightStream by no later than 2 p.m. Eastern time one business day prior to loan funding. The Rate BeatProgram excludes secured or collateralized loan offers from any lender and the competitive offer must be generally available to any customer with a similar credit profile.

Terms are subject to change at any time. 

Truist Bank is an Equal Housing Lender. © 2021 Truist Financial Corporation. SunTrust, Truist, LightStream, the LightStream logo, and the SunTrust logo are service marks of Truist Financial Corporation. All other trademarks are the property of their respective owners. Lending services provided by Truist Bank.

Lending services provided by Truist Bank.