Financing options now available for your home furnishings.

LightStream

The fresh opportunities of building a new home allow you to live better, smarter, and simpler. But we understand the purchase of your new home can become a big chunk of your financial resources, and might not leave much for the interiors, how you actually live inside the home. To help alleviate this, we have partnered with LightStream.

LightStream is a fast and easy-to-use lender that specializes in home-related projects like us. No fees, no home equity requirements. No problem.

Sapling is here as a solution to elevate the way you live and interact with your home.
Now LightStream is the solution for the financials.

Funding for your home furnishings, with no fees, no home equity requirements.

The unsecured LightStream loan has no fees or prepayment penalties. There are also no appraisals or home equity requirements.

Furnish your entire home, at a low rate.

When you have good credit, you deserve a low-interest, fixed-rate loan. You can be confident that’s what you’ll get with LightStream, because we back our low rates with our Rate Beat Program.

Fund your loan as soon as the day you apply.

You’re in control of the loan process with LightStream. You choose your funding date, and you can even have funds deposited into your account as soon as the same day you apply.

Easy, simple, and affordable.

Check your rate, then apply from your smartphone, tablet or computer, and get a low rate on our virtually paperless loan, from $5,000 to $100,000.

Get started with your home furnishing loan now at LightStream.

1LightStream will offer a rate .10 percentage points lower than the rate offered on any competing lender’s unsecured loan provided that you were approved for that lower rate (with the same loan terms offered by LightStream) no later than 2 p.m. Eastern time two business days prior to loan funding. The Rate Beat Program excludes secured or collateralized loan offers from any lender, and the competitive offer must be available to any customer with a similar credit profile. Terms are subject to change at any time. If you believe you have been approved by another lender for a lower qualifying rate, log in to your account and click on “Submit Rate Beat Request” to review your Rate Beat eligibility and upload the required documentation.

2You 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.