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Personal lending options

Get rid of debt faster. Cover unexpected expenses. Replace your HVAC (finally). We’ll help you find a great way to do it—in less than two minutes.

Take the quiz to find the right loan

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

Finding the right loan is easy.

Tell us a little about yourself. We’ll show you options based on your needs. You complete a brief application. That’s it.

Decisions take just minutes.

Confidence can come quickly when you apply. Most decisions happen in under 15 minutes, and money may be available the same day.Disclosure 1

Tailor your borrowing to fit your budget.

Choose an option with the kind of rate that suits your needs—with a term and payment you can be comfortable with.

Whatever your borrowing needs, you're covered.

Small loans for the unexpected. Revolving credit lines for added flexibility. The funds you need to meet your goals. You have options.

To change your default funding account, access bill pay settings under the Preferences option in Profile and Settings. You will see your available funding accounts for bill pay. In this section you can remove or add accounts to be used for your bill pay experience.

Find the right loan—fast.

Tell us a little about yourself and what you want to do. We’ll show you options that can help.

Question 1

How do you want to use your loan?

Question 2

What state are you located in?

Question 3

How would you like to access your funds?

Question 4

How much do you want to borrow?

Question 5

Will you consider using your home as collateral?

We think these loan options might be right for you.

Want to see different recommendations?

Home Improvement Loan

Get fast, easy home improvement financing with LightStream.

Finance almost any home improvement project on your list with fast, easy financing from LightStream. Use your funds for your whole project and tackle your renovations, repairs, and upgrades at once.

Rates start at

7.49% 7footnote  APR with AutoPay and excellent credit.
  • No appraisal or home equity required
  • No fees or prepayment penalties
  • Funds from $5,000 to $100,000 available
Apply now LightStream home improvement loan

Credit Card Consolidation Loan

Consolidate high-interest credit card debt with LightStream.

LightStream offers low, fixed rates to consolidate up to $100,000 of high-interest credit card debt. It’s a great way to potentially save on interest and get your credit card balances down to zero.

Rates start at

7.99% 7footnote  APR with AutoPay and excellent credit.
  • Lock in a low, fixed rate
  • No collateral required, no fees or prepayment penalties
  • Consolidate multiple bills into a single, monthly payment
Apply now LightStream Credit Card Debt Consolidation Loan

Unsecured Personal Loan

Fast, easy financing for almost anything with LightStream.

When you have good credit, you deserve a low-interest, fixed-rate loan without fees. LightStream makes it easy to finance practically anything with a quick and simple online application.

Rates start at

6.99% 7footnote  APR with AutoPay and excellent credit.
  • Competitive, fixed rates
  • Funds from $5,000 to $100,000
  • Funds deposited directly into your account
Apply now for LightStream Unsecured Personal Loan

Auto Loan

Finance a new, used or classic car with LightStream.

Get a low, fixed rate and funds from $5,000 to $100,000 directly deposited into your account to finance the auto of your choice. Save time at the dealer and negotiate your best auto deal.

Rates start at

6.94% 7footnote  APR with AutoPay and excellent credit
  • Get funds as soon as the day you apply 8footnote
  • No fees or prepayment penalties
  • Fast, easy online application
Apply now for LightStream Auto Loan

Home Equity Line of Credit

Use the equity in your home to pay for home improvements, consolidate debt, cover large purchases, and more.

Credit lines from

$10,000 to $500,000

Variable rates as low as

8.00% APR 4footnote Excellent credit required for lowest rate.
  • Fast access to cash when you need it
  • Low rates—lower than most credit cards
  • No closing cost option 5footnote
Apply now for Truist Home Equity Line of Credit

Personal Loan

It’s a great choice to consolidate debt, or to pay for home improvements, a wedding, or a vacation.

Loans from

$3,500

Rates range from

8.87% to 17.82% APR 1footnote Excellent credit required for lowest rate.
  • Fast approvals and same-day funding may be available
  • No origination fees
  • No collateral needed
Apply now for Truist Personal Loan

Personal Line of Credit

Be prepared for life’s unexpected moments. A Truist Personal Line of Credit offers flexible access to cash when you need it.

Credit lines from

$5,000

Variable rates as low as

13.19% APR 3footnote Excellent credit required for lowest rate.
  • Fast approvals and same-day funding may be available
  • No cash advance fees
  • No collateral needed
Apply in person

Truist Auto Loan

Buying or refinancing. New or used. A Truist Auto Loan can put you behind the wheel the same day with a competitive rate and a seamless experience.

Loans from

$3,500

Rates range from

5.42% to 13.01% APR 6footnote Excellent credit required for lowest rate.
  • Fast decisions—as little as 10 minutes 2footnote
  • Expert guidance from auto loan specialists
Apply in person
Disclosure

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 8.00% as of 10/1/24. Standard APRs could range from Prime + 5.19% (currently 13.19% APR) to Prime + 9.49% (currently 17.49% 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 – 9/27/24 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 8.00% as of 10/27/24. 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 8.00% APR) to Prime + 7.50% (currently 15.50% 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 1/1/2024-10/27/2024 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 5.42% to 13.01% 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

Great rates. Plenty of options.

Unsecured personal loan

Fast decisions. Same-dayDisclosure 1 access to cash may be available. No collateral needed. An unsecured personal loan is a great choice to consolidate debt or to pay for home improvements, a wedding, or a vacation.

Apply now for a personal loan.
Learn more about Personal Loans.

Personal line of credit

Confidently say “yes” to big opportunities with a low-rate line of credit that’s there for you whenever you need it.

  • $5,000 minimum credit line
  • $0 application and cash advance
  • Variable rates as low as 13.19% APRDisclosure 4

Apply in person
Learn more about personal line of credit

Physician line of credit

Practicing as a physician means dedication—but it shouldn’t always mean sacrifice. With a Truist physician line of credit, interns, residents, and fellows can have easy, up-front low-cost access to cash to help them focus on what matters most.

  • $50,000 max line amount for medical residents and fellows
  • $100,000 max line amount for board-certified physicians, dentists, and podiatrists
  • Variable rates as low as 12.00% APRDisclosure 5

Truist Ready Now credit line

Overdrafts and unforeseen expenses can happen. Give yourself a softer landing with a Truist Ready Now credit line. Get fast access to cash and be protected from the higher cost of overdraft fees.

  • Lines range from $300 to $7,500.
  • No collateral required.
  • Available to clients with a Truist checking account.

Learn more about Truist Ready Now Credit Lines.

LightStream, an online division of Truist, offers additional unsecured loan options which may include different underwriting guidelines, product terms, fees and pricing. You can learn about LightStream by visiting LightStream.com.

Frequently asked questions about loans and lines of credit

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Loans are a one-time event—you get a lump sum of money, typically for a specific need. They come with a predetermined payment schedule, end date, and interest rate (although the interest rate could be subject to change if it’s variable instead of fixed).

A line of credit gives you a set limit you can borrow from again and again—as long as you keep paying back what you owe. Let’s say a client is approved for a $10,000 line of credit. That client draws $5,000 of their $10,000 limit, then repays the balance. They would be able to borrow up to the full $10,000 without needing to reapply, as long as it is within the draw period. This article provides more detailed insight on the differences.

The main difference is collateral. Secured loans require collateral, like a car, home, or other valuable asset. When obtaining a secured loan, the borrower gives the lender the right to seize the collateral if they default on the loan. Unsecured loans—or personal loans—require no collateral, but they do require the borrower to be creditworthy.

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. Excellent credit and specific loan or line terms are required to qualify for lowest rates. 

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. If you wish to pay off your loan in full before its term ends, you can do so without penalty.

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.

Looking for something else?

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

Spending and Saving

Don’t let the unexpected rattle you, grow your money confidence.

Need more help?

Check out Money and Mindset

Tools

Guide to budgeting

Credit card payoff calculator

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Loans and lines of credit are subject to credit approval.

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

Disclosure 2 In South Carolina, the minimum loan amount is $4,601.

Disclosure 3 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 and up to a three-year term are required to qualify for lowest rates. Monthly payments for a $15,000 loan at 8.87% with a term of three years would result in 36 monthly payments of $476.09. 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. 

Disclosure 4 Subject to credit approval, eligibility and credit qualifications. Personal Line of Credit rates will vary with the market based on the Prime Rate. The Prime Rate means the highest per annum “Prime Rate” of interest published by The Wall Street Journal, which was 8.00% as of 10/27/24. For a Personal Line of Credit, standard APRs could range from Prime + 5.19% (currently 13.19% APR) to Prime + 9.49% (currently 17.49% 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 – 10/27/24 for a $5,000-$50,000 loan for 180 months or less. There is a $50 annual fee in GA, WV, TN, and TX. There is a $20 annual fee in KY and IN. Other fees or costs may apply. 

Disclosure 5 Subject to credit approval, eligibility and credit qualifications. Physician Line of Credit rates will vary with the market based on the Prime Rate. The Prime Rate means the highest per annum “Prime Rate” of interest published by The Wall Street Journal, which was 8.00% as of 10/27/24. For a Physician Line of Credit, standard APRs could range from Prime + 4.00% (currently 12.00% APR) to Prime + 7.99% (currently 15.99% 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 – 10/27/24 for a $5,000-$100,000 loan for 60 months or less. There is a $50 annual fee in GA, WV, TN, and TX. There is a $20 annual fee in KY and IN. Other fees or costs may apply. 

Disclosures

Truist Bank, Member FDIC. © 2024 Truist Financial Corporation. Truist, the Truist logo and Truist Purple 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

Services provided by the following affiliates of Truist Financial Corporation (Truist): Banking products and services, including loans and deposit accounts, are provided by Truist Bank, Member FDIC. Trust and investment management services are provided by Truist Bank, and Truist Delaware Trust Company. Securities, brokerage accounts and /or insurance (including annuities) are offered by Truist Investment Services, Inc., which is a SEC registered broker-dealer, member FINRA, SIPC, and a licensed insurance agency. Investment advisory services are offered by Truist Advisory Services, Inc., GFO Advisory Services, LLC., each SEC registered investment advisers.

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.

Truist Securities is a trademark of Truist Financial Corporation. Truist Securities is a trade name for the corporate and investment banking services of Truist Financial Corporation 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. Deposit products are offered by Truist Bank.

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. Truist offers the following resources for consumers that have Limited English Proficiency:

  • Multilingual teammates available at our Multicultural Banking Centers
  • Materials for some products and services are available in Spanish, Korean, Vietnamese, Mandarin, and other languages spoken in the communities we serve.
  • Phone assistance 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.

  • Limited English Proficiency Support
  • New York City residents

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

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