Apply in person

Truist Ready Now credit line

Overdrafts and unforeseen expenses can happen. Give yourself a softer landing with fast access to a line of credit. Available to clients with a Truist checking account.

Apply in person for a Truist Ready Now credit line.

Or apply by phone if you have a Truist account.
Call 844-487-8478.

  • $300 - $7,500available credit line
  • No collateral required
  • $0 overdraft feeon your linked Truist checking account

Key benefits

It's best for...

  • Protection from the higher cost of overdraft fees
  • Fast, versatile access to cash when you need it
  • Replenished credit line access as you pay it down
Apply in person for a Truist Ready Now credit line.

Or apply by phone if you have a Truist account. Call 844-487-8478

Frequently asked questions about the Truist Ready Now credit line

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Apply in person at a branch or by phone at 844-487-8478 if you have a Truist account. A Truist checking account is required for a Truist Ready Now credit line. There is no wait after opening a checking account to apply for the Truist Ready Now credit line.

Access the cash from your Truist Ready Now credit line with the Truist online banking and mobile app. You can also make cash advances at a Truist branch and ATM.

You can use your Truist Ready Now credit line for access to cash when you need it. It is most often used for short-term borrowing needs, a safety net for declines, overdrafts, and life’s unexpected expenses.

Yes. Your credit is pulled to determine eligibility for the product. Once approved, the line of credit will appear on your credit report as an open line or credit card would. Late payments are reported to credit bureaus.

2% of the outstanding balance or $10, whichever is greater.

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Loans and lines of credit are subject to credit approval.

Disclosure 1 Minimum monthly payment is 2% of outstanding balance or $10, whichever is greater.

Disclosure 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 line of credit today if today is a banking business day.

Disclosure 3 All credit cards are subject to credit approval.

Disclosure 4 Minimum loan amount may vary in some states to comply with applicable law.

Disclosure 5 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.

Ready Now Credit Line is subject to credit approval. Only deposit products are FDIC insured.

Disclosures

Truist Bank, Member FDIC. © 2025 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

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 McGriff Insurance Services, LLC (McGriff), Kensington Vanguard National Land Services, LLC (Kensington Vanguard) and Crump Life Insurance Services, LLC (Crump). 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 (PJRV), LLC, Arkansas License #100110185. Member FINRA.

McGriff, Kensington Vanguard, Crump, TLIS, and PJRV 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. 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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