LightStream unsecured loan

Embrace the future. Bridge the gap between you and your dreams with a low-rate loan and no fees … for anything.

Apply now for a LightStream unsecured loan.

What can we help you with?

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Do more than dream. Make it real with the right loan.

Low rates. Flexible monthly payment options.

Design your loan to work within your budget, or to be paid off quickly. It’s great to have choices, isn’t it?

Fast decisions. Fast funding.

Have a need for speed? We’ll show you how to drive your dream car off the lot as soon as the same dayDisclosure 1 . Let’s get going.

Convenience and support.

Have questions or need help? You’ll find a lot of smiling faces in any of our 1,900 locations. Or just give us a call. We’re ready to help.

Borrow your way.

Get a one-time lump sum to handle big challenges. Or a revolving line of credit to use when you need it. It’s your call.

Great rates. Plenty of options.

Open doors and put plans into motion with the right Truist loan.

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LightStream unsecured loan

Improve your home, consolidate debt, or manage big expenses with a LightStream loan. We have a unique, purpose-based lending solution with low fixed rates and custom loan terms for your needs.

     

  • Loans from $5,000 to $100,000
  • Rates from {{lsiMinRate}}% to {{lsiMaxRate}}% APR with AutoPayDisclosure 2
  • No fees … for anything

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Learn more about LightStream unsecured loans.

Home equity line of credit

When it’s not the right time to refinance, a HELOC is a great option for cash access.

     

  • Choice of fixed or variable rates
  • Interest paid potentially tax-deductibleDisclosure 3
  • Borrow up to 89% of your home's value

    •  

Learn more about a Home Equity Line of Credit.

Boat & RV loans

We’ll help make adventures possible with boat and RV financing that’s as easy as your next weekend away.

  • Loans available for boat, marine, & RV
  • Fixed rates for the life of your loan
  • For purchasing new, used, or refinancing

Learn more about Boat and RV loans.

Auto loans

Whether you’re buying new, buying used, or refinancing, we can help make your decisions easier. Depending on your location, Truist offers secured and unsecured auto loan options.

Learn more about Truist auto loans.

Frequently asked questions about loans and lines of credit

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The main difference between secured and unsecured loans is that secured loans require collateral and unsecured loans don’t.

For instance, a secured home loan uses your home as collateral, and a secured vehicle loan uses your vehicle as collateral. If you fail to pay the loan, you can lose your asset.

Unsecured loan benefits include a simpler application and approval process, because there is not a need to secure a title to collateral property.

Unsecured loans, also called unsecured personal loans, are backed by your creditworthiness—your past repayment history and your credit score, among other factors. Because of this, interest rates on unsecured loans can be higher than those on secured loans. We only approve good-to-excellent credit profiles for LightStream loans.

Loan or line terms, including APR, may differ based on several factors. These include—but are not limited to—the type of loan or line you are applying for, how much you borrow, how long you will need to repay it, and your credit profile. Offers are subject to credit approval under Truist underwriting guidelines including qualifying loans or lines with certain debt to income, FICO® scores, and other underwriting credit criteria.

  • Personal details, contact info, U.S. mobile phone number
  • Two years of address and employment history
  • Financial information (income, debts, personal obligations)

The way you apply depends on the type of loan or line you are selecting. Some loans and lines can be applied for online, others by phone. All can be applied for in a branch.

Applicants must be at least 18 years of age and meet applicable credit requirements for a personal loan or line of credit. Approval is based on several factors. We use a holistic view when reviewing an applicant’s credit history rather than relying solely on a client’s credit score.

Your loan specialist will give you guidance on the documentation needed to help expedite the approval process. You may be able to fund your loan the same day if you complete your application on a banking business day.

A payoff statement can be requested by mail, phone, or branch. Payments can be accepted by mail, phone, through your online or mobile banking, or in a branch.

To pay by mail:

Truist Item Processing Center
P.O. Box 580057
Charlotte, NC 28258-0057

To pay by phone:
Call 844-4TRUIST (844-487-8478)

Details can be found in your monthly statement, through your online or mobile banking, by calling 844-4TRUIST (844-487-8478), or by visiting a branch.

A few other ways we can help.

Home mortgage

A new home—or a new mortgage—might look good on you. Check out our online tools to make your next move easier from start to finish.

Small business lending

Startup, co-op, or mom-and-pop, keep your cash flow healthy so you can keep your business moving.

Truist Wealth

Put your net worth to work. Explore customizable solutions for strategic credit and asset management.

Money and Mindset

Make the most of life's moments

Secured vs. unsecured loans

Learn the difference between these two types of loans.

Need more help?

Check out Money and Mindset

Tools

Guide to budgeting

Credit card payoff calculator

Calculate the equity in your home

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Just a moment : loading interest rates

Loans and lines of credit are subject to credit approval.

Disclosure 1 For a secured auto loan: Your loan officer will provide you with guidance on what documentation is needed to help expedite the approval process.

Disclosure 2 Your loan terms, including APR, may differ based on loan purpose, amount, term length, and your credit profile. Lowest rates require excellent credit. At least 28.47% of approved applicants applying for the lowest rate qualified for the lowest rate available based on data from 07/01/2025 to 09/30/2025. Rate is quoted with AutoPay discount. AutoPay discount is only available prior to loan funding. Rates without AutoPay are 0.50% points higher. Subject to credit approval. Conditions and limitations apply. Advertised rates and terms are subject to change without notice.

Payment example: Monthly payments for a $25,000 loan at 7.24% APR with a term of 3 years would result in 36 monthly payments of $774.67.

Maximum APR for a LightStream loan is {{lsiMaxRate}}% with AutoPay discount. Loan terms range from 24 - 240 months depending on the loan type.

{{lsiRateOptional:Rates are accurate as of}} {{lsiRateDate}} {{lsiRateOptional:and are subject to change.}} 

Disclosure 3 Consult your tax advisor regarding interest deductibility. A 1098 will be issued as required by law. 

Disclosure 4 Once your application is approved, the interest rate is valid for 30 days as long as there are no changes to your application or loan terms.

Disclosure 5 For comparison purposes, a consumer who finances a new car for $25,000 at a term of 84 months and at an annual percentage rate (APR) of 5.75% would remit 84 payments of $362.00.

Disclosure 6 For the LightStream auto loan: You can fund your loan today by wire transfer if today is a banking business day, your application is approved, and you complete the following steps before 2:30 pm ET: (1) review and e-sign your loan agreement; (2) provide us with your funding preferences and relevant banking information; and (3) complete the final verification process.

Loans and lines of credit are subject to credit approval.

Disclosure 1 For a secured auto loan: Your loan officer will provide you with guidance on what documentation is needed to help expedite the approval process.

Disclosure 2 Your loan terms, including APR, may differ based on loan purpose, amount, term length, and your credit profile. Lowest rates require excellent credit. At least 28.47% of approved applicants applying for the lowest rate qualified for the lowest rate available based on data from 07/01/2025 to 09/30/2025. Rate is quoted with AutoPay discount. AutoPay discount is only available prior to loan funding. Rates without AutoPay are 0.50% points higher. Subject to credit approval. Conditions and limitations apply. Advertised rates and terms are subject to change without notice.

Payment example: Monthly payments for a $25,000 loan at 7.24% APR with a term of 3 years would result in 36 monthly payments of $774.67.

Maximum APR for a LightStream loan is {{lsiMaxRate}}% with AutoPay discount. Loan terms range from 24 - 240 months depending on the loan type.

{{lsiRateOptional:Rates are accurate as of}} {{lsiRateDate}} {{lsiRateOptional:and are subject to change.}} 

Disclosure 3 Consult your tax advisor regarding interest deductibility. A 1098 will be issued as required by law. 

Disclosure 4 Once your application is approved, the interest rate is valid for 30 days as long as there are no changes to your application or loan terms.

Disclosure 5 For comparison purposes, a consumer who finances a new car for $25,000 at a term of 84 months and at an annual percentage rate (APR) of 5.75% would remit 84 payments of $362.00.

Disclosure 6 For the LightStream auto loan: You can fund your loan today by wire transfer if today is a banking business day, your application is approved, and you complete the following steps before 2:30 pm ET: (1) review and e-sign your loan agreement; (2) provide us with your funding preferences and relevant banking information; and (3) complete the final verification process.

Disclosure * Once your application is approved, the interest rate is valid for 30 days as long as there are no changes to your application or loan terms.

Disclosures

Truist Bank, Member FDIC. © 2025 Truist Financial Corporation. Truist, the Truist logo, Truist Purple, Truist One, Truist Marquee, LightStream, and the LightStream logo are service marks of Truist Financial Corporation.

Equal Housing Lender

Investment and Insurance Products:

  • Are Not FDIC or any other Government Agency Insured
  • Are Not Bank Guaranteed
  • May Lose Value

TRUIST is a service mark of Truist Financial Corporation (Truist) and its affiliates.

Services provided by Truist Financial Corporation (Truist) affiliates: Banking products and services, including loans and deposit accounts, provided by Truist Bank, Member FDIC. Trust and investment management services provided by Truist Bank. Securities, brokerage accounts and/or annuities offered by Truist Investment Services, Inc., an SEC registered broker-dealer, and member FINRA and SIPC, and a licensed insurance agency. Investment advisory services offered by Truist Advisory Services, Inc. and GFO Advisory Services, LLC, SEC registered investment advisers. Some insurance products offered by Truist Investment Services, Inc. Other insurance products offered by Marsh & McLennan Agency, LLC (as successor in interest to McGriff Insurance Services, LLC) CA License #0H18131, Kensington Vanguard National Land Services, and Crump Life Insurance Services. Truist Life Insurance Services (TLIS) is a division of Crump, Arkansas License #100103477. Variable insurance material is for broker-dealer or registered representative use only. Variable products distributed by P.J. Robb Variable, LLC, Arkansas License #100110185. Member FINRA.

Marsh & McLennan Agency LLC, Kensington Vanguard National Land Services, Crump Life Insurance Services, Truist Life Insurance Services, and P.J. Robb Variable, LLC are not affiliated with Truist Financial Corporation or any of its subsidiaries.

Truist Securities is a trademark of Truist Financial Corporation. Truist Securities is a trade name for the corporate and investment banking services of Truist and its subsidiaries. All rights reserved. Securities and strategic advisory services are provided by Truist Securities, Inc., member FINRA and SIPC. Lending, financial risk management, and treasury management and payment services are offered by Truist Bank.

Mortgage products and services are offered through Truist Bank. All Truist mortgage professionals are registered on the Nationwide Mortgage Licensing System & Registry (NMLS), which promotes uniformity and transparency throughout the residential real estate industry. Search the NMLS Registry.

Comments regarding tax implications are informational only. Truist and its representatives do not provide tax or legal advice. You should consult your individual tax or legal professional before taking any action that may have tax or legal consequences.

"Truist Advisors" may be officers and/or associated persons of the following affiliates of Truist, Truist Investment Services, Inc., and/or Truist Advisory Services, Inc. Truist Wealth, International Wealth, Center for Family Legacy, Business Owner Specialty Group, Sports and Entertainment Group, and Legal and Medical Specialty Groups are trade names used by Truist Bank, Truist Investment Services, Inc., and Truist Advisory Services, Inc.

Applications, agreements, disclosures, and other servicing communications provided by Truist Bank and its subsidiary businesses will be provided in English. As a result, it will be necessary for customers to speak, read and understand English or to have an appropriate translator assisting them. Please note that Truist provides translations of webpages, documents and disclosures as a courtesy and in the event of any inconsistencies or discrepancies between the English content and the translated content, the English content supersedes the translation. Truist offers phone support in Spanish at 844-4TRUIST (844-487-8478), option 9. For assistance in other languages, please speak to a representative directly.

New York City residents:

Translation or other language access services may be available. When calling our office regarding collection activity, if you speak a language other than English and need verbal translation services, be sure to inform the representative. A description and translation of commonly-used debt collection terms is available in multiple languages at http://www.nyc.gov/dca.

Borrowers with Limited English Proficiency (LEP) needing information can use the following resources:

The Consumer Finance Protection Bureau (CFPB) also provides additional resources for homeowners seeking payment assistance in select languages at: https://www.consumerfinance.gov/housing/housing-insecurity/help-for-homeowners/

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