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Advertiser Disclosure: All unsecured lending services are provided by LightStream and we may be compensated by LightStream through the link provided.


FAQs - Secured Loans


Q: To apply for a Secured Loan, do I need to live in Texas?

A: Yes, it must be your primary residence.

Q: How do I apply for a home improvement loan with Central Bank?

A: The process is easy, either complete an online application or call one of our loan specialists to discuss programs and answer any questions.

Q: Now that I have applied, what happens next?

A: Your application will be decided within a business day and one of our loan specialists will reach out to you to take you through each step.

Q: Can I use my equity in my home to get a loan?

A: Yes, a secured home improvement loan can use your equity and increase the value of your home.

Q: Is there a penalty for paying the loan off early?

A: There are no pre-payment penalties so you can pay off the loan at any time.

Q: How do you handle the disbursements/draws?

A: Checks are made payable to the homeowners and pool contractor according to the draw schedule and mailed to the homeowners after closing.


Secured Apply Now


FAQs - Unsecured Loans


Q: To apply for an Unsecured Loan, do I have to live in Texas?

A: No, we provide unsecured loans to Arizona, Florida and Texas residence through our partnership with LightStream.

Q: Who is LightStream?

A: LightStream is the national online lending division of Truist Bank. For consumers with good to excellent credit, LightStream provides low-interest, fixed-rate, unsecured loans through a fast and easy online process.

Q: Why is LightStream the best option for me?

A: LightStream makes it possible to get funds up to $100,000 by applying online from your smartphone, tablet or computer. The unsecured LightStream loan has no fees or prepayment penalties. There are also no appraisals or home equity requirements.

Q: How long does the loan approval process take?

A: You can apply online in minutes and get a quick response during business hours. Qualified applicants may receive their funds as soon as the same day.1

Q: What can I use my funds for?

A: You can use your LightStream loan to fund virtually anything related to your swimming pool, from pool installation to outdoor kitchens, landscaping, hardscaping, even pool furniture. One loan can finance your entire backyard project at once.

Q: How does the LightStream loan process work?

  • Apply online. You will receive a response shortly (during business hours).
  • Accept loan agreement. Once approved, e-sign your loan agreement and set up your loan for funding.
  • That's it! Use your loan. Receive your funds as early as today.


Unsecured Apply Now


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.
Equal Housing Lender Truist Bank is an Equal Housing Lender.
© 2020 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. 


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