Take a step forward.

Loans, lines of credit and credit cards are subject to credit approval.

¹ Your loan terms, including APR, may differ based on amount, term length, and your credit profile. Current rate range is 8.87% to 17.82% APR. Excellent credit is required to qualify for lowest rates. Less than a majority of applicants qualified for lowest rate. Your loan terms, including APR, may differ based on amount, term length, and your credit profile. Conditions and limitations apply. Advertised rates and terms are subject to change without notice. These offers are subject to credit approval under Truist’s underwriting guidelines including qualifying loans with certain debt to income, FICO scores and other underwriting credit criteria. Back to top

² Your loan officer will provide you with guidance on what documentation is needed to help expedite the approval process. You may be able to fund your loan today if today is a banking business day. Back to top

³ Rates will vary with the market based on the Prime Rate. The Prime Rate means the highest per annum “Prime Rate” of interest published from time to time by The Wall Street Journal in its “Money Rates” listings, which was 7.75% as of 12/1/24. Standard APRs could range from Prime + 5.19% (currently 12.94% APR) to Prime + 9.49% (currently 17.24% APR) and are based on your credit line amount and creditworthiness. Excellent credit is required to qualify for lowest rates. At least 50% of approved applicants applying for the advertised rate qualified for the advertised rate based on data from 1/1/24 – 11/25/24 for a $5,000-$50,000 loan for 180 months or less. Your loan terms, including APR, may differ based on amount, term length, and your credit profile. Conditions and limitations apply. Advertised rates and terms are subject to change without notice. These offers are subject to credit approval under Truist’s underwriting guidelines including qualifying loans with certain debt to income, FICO scores and other underwriting credit criteria. Back to top

⁴ Rates will vary with the market based on the Prime Rate. The Prime Rate means the highest per annum “Prime Rate” of interest published from time to time by The Wall Street Journal in its “Money Rates” listings, which was 7.75% as of 12/1/24. Standard APRs are variable during the 10-year draw period and 20-year repayment period and apply only to the variable rate option; are based on your collateral property location, credit line amount, combined Loan-To-Value (CLTV) ratio and other factors; and can range from Prime +0.00% (currently 7.75% APR) to Prime + 7.50% (currently 15.25% APR) (during the 20-year repayment period for this option, the APR will continue to be calculated at a variable rate and your minimum monthly payment will be 1/240th of the total balance at the end of the draw period, plus interest and any applicable fees/charges). The maximum APR is 16% for properties located in NC. Excellent credit is required to qualify for lowest rates. At least 50% of approved applicants applying for the advertised rate qualified for the advertised rate based on data from 1/1/2024-11/25/2024 for a $15,000-$99,999 line of credit for 120 months. Back to top

⁵ The advertised rate will vary if the client chooses for the bank to pay their closing costs, which is an option in some states if the requested loan amount is less than or equal to $500,000. Other fees may be charged at origination, closing or subsequent to closing, ranging from $0 to $10,000, and may vary by state. If you pay off your Truist Home Equity Line of Credit within 36 months from the date of loan origination, you may be required to remit any closing costs Truist paid on your behalf. There is a $50 annual fee in AL, FL, GA, IN, KY, NJ, and OH. This rate offer may change at any time. Back to top

⁶ Your loan terms, including APR, may differ based on amount, term length, and your credit profile. Current rate range is 5.46% to 13.14% APR. Excellent credit is required to qualify for lowest rates. Less than a majority of applicants qualified for lowest rate. Conditions and limitations apply. Advertised rates and terms are subject to change without notice. These offers are subject to credit approval under Truist’s underwriting guidelines including qualifying loans with certain debt to income, FICO scores and other underwriting credit criteria. Back to top

⁷ Your loan terms, including APR, may differ based on loan purpose, amount, term length, and your credit profile. Excellent credit is required to qualify for lowest rates. 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 $10,000 loan at 2.49% APR with a term of 3 years would result in 36 monthly payments of $288.57. Back to top

⁸ You 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. Back to top