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

Personal loans and lines of credit

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Low rates. Flexible monthly payments.

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

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Fast decisions. Fast funding.

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

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Convenience and support.

Have questions or need help? You’ll find a lot of smiling faces in any of our 3,100 locations. Or just give us a call. We’re ready to help.

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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.

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

3.99% 8  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

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

4.98% 8  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

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

4.958% 8  APR with AutoPay and excellent credit.
  • Competitive, fixed rates
  • Funds from $5,000 to $100,000
  • Funds deposited directly into your account

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

2.49% 8  APR with AutoPay and excellent credit
  • Get funds as soon as the day you apply 9
  • No fees or prepayment penalties
  • Fast, easy online application

Home Equity Line of Credit

Apply online, by phone, or in a branch.

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

4.50% APR 4 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 5

Truist Personal Loan

Apply online, by phone, or in a branch.

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

4.99% to 15.59% APR 1 Excellent credit required for lowest rate.
  • Fast approvals and same-day funding may be available
  • No origination fees
  • No collateral needed

Personal Line of Credit

Apply by phone or in person.

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

8.69% APR 3 Excellent credit required for lowest rate.
  • Fast approvals and same-day funding may be available
  • No cash advance fees
  • No collateral needed

Truist Ready Now Loan

For current Truist personal checking clients. Apply online.

Need to cover an emergency quickly? Your solution is Ready Now.

Loans from

$100 ‐ $1,000

Loan amount in $100 increments

$5 6 Origination fee per $100 borrowed.
  • Effective APR range is 16.94%
  • Apply online only
  • No late fees or prepayment penalties

Truist Auto Loan

Apply by phone or in a branch.

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

2.20% to 10.64% APR 7 Excellent credit required for lowest rate.
  • Fast decisions—as little as 10 minutes 2
  • Expert guidance from auto loan specialists
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 4.99% to 15.59% 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.

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.

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 by The Wall Street Journal, which was 3.25% on 10/1/2021. Standard APRs could range from Prime + 5.44% (currently 8.69% APR) to Prime + 9.99% (currently 13.24% 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 06/01/2021 – 08/31/2021 for a $5,000-$50,000 line of credit 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.

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 3.25%% as of 10/1/2021 . 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 + 1.25% (currently 4.50% APR) to Prime + 6.10% (currently 9.35% 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 6/1/2021-8/31/2021 for a $15,000-$99,999 line of credit for 120 months.

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.

6 If you borrow $200, your fee will be $10 and you will pay back a total of $210 in six equal monthly payments of $35 each. The effective APR will be 16.94%. Note: FL residents will also pay the FL state doc stamp fee, so the monthly payment amount and the effective APR will be different for FL residents.

7 Your loan terms, including APR, may differ based on amount, term length, and your credit profile. Current rate range is 2.20%-10.64% 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.

8 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.

9 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.

Great rates. Plenty of options.

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

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Personal loans

Loans and lines of credit for all of your borrowing needs. You’re covered.

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Home equity line of credit

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

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Auto & recreational loans

Need a car? We can help. Want a boat or RV? We have loans for those, too.

Earn. Save. Enjoy.

Truist credit cards

More cash back. More miles. Our lowest APR. The red-carpet treatment. There’s a Truist credit card to give you what matters most.

Contactless payments.

Tap. Pay. Go. Every Truist card offers fast, secure checkout at any contactless register.

Safe—even when misplaced.

Wherever you are, temporarily lock lost or stolen cards within the Truist mobile app.

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.