Consolidate debt. Manage big expenses. Simplify your life. A low-interest loan can open a world of possibilities.
When you need some extra cash, turn to a personal line of credit. It’s instant access to available credit, it’s flexible, and it’s there as you need it.
Key features and benefits
Tell us a little about yourself. We’ll show you options based on your needs. You complete a brief application. That’s it.
Confidence can come quickly when you apply. Most decisions happen in under 15 minutes, and money may be available the same day.1
Choose an option with the kind of rate that suits your needs—with a term you can be comfortable with.
Small loans for the unexpected. Revolving credit lines for added flexibility. The funds you need to meet your goals. You have options.
Personal loans and lines of credit
Fast approvals. Same-day access to cash. No collateral needed. A personal loan is a great choice to consolidate debt, or to pay for home improvements, a wedding, or a vacation.
minimum borrowing amount
Apply online
The cash you need for the expenses you didn’t see coming—with payments you can manage. Available in $100 increments, up to $1,000, to clients3 with a Truist personal checking account that has been open at least six months.
The $5 origination fee per $100 borrowed with a Truist Ready Now loan equates to an effective APR of 16.94%. For example, if you borrow $500, your origination fee will be $25. You'll pay back a total of $525 in six consecutive monthly payments of $87.50 each.
No, only one Truist Ready Now loan is allowed at a time. After one loan is paid, 30 days must pass before you can be approved for another Truist Ready Now loan.
Yes, we’ll use your credit report in making a decision on your loan application and payment history will be reported to credit bureaus.
No, you’ll need to sign your loan documents using e-signature along with an email address and a valid U.S. mobile phone number. You’ll receive an email with a link to the e-sign form and text message with a personal code to complete the e-sign. If we approve your loan during business hours Monday-Friday by 3 pm, you’ll get the email and text about two hours later.
If you received the approval after 3 pm, you’ll get the email next business day (be sure to check your spam/junk folder if you haven’t received the email after you’ve been approved).
After your application is approved, you will receive a link via e-mail to e-sign the loan documents. Our electronic signature and funding processes are available during business hours. Our business hours are 8 am to 5 pm ET, Monday through Friday, excluding bank holidays. Applications approved during non-business hours or towards the end of a business day may not receive the e-mail until the next business day.
During business hours, it could take up to two hours (from the time application is approved) to receive the e-mail (check your spam folder if you haven’t received the e-mail). You will receive the funds the same day if you complete the e-sign step by 12 pm on a business day.
Still waiting on a decision? Sign in to check your application status.
Confidently say “yes” to big opportunities with a low-rate line of credit that’s there for you whenever you need it.
Apply by phone if you have a Truist account. Call 844-487-8478.
Minimum credit line
application, cash advance or annual fees
Apply by phone if you have a Truist account. Call 844-487-8478.
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, low-cost access to cash to help them focus on what matters most.
max line amount for medical residents and fellows
max line amount for board-certified physicians, dentists, and podiatrists
Personal Loan
Fast approvals. Same-day access to cash. No collateral needed. A personal loan is a great choice to consolidate debt, or to pay for home improvements, a wedding, or a vacation.
minimum borrowing amount
Truist Ready Now Loan
Apply online
The cash you need for the expenses you didn’t see coming—with payments you can manage. Available in $100 increments, up to $1,000, to clients3 with a Truist personal checking account that has been open at least six months.
The $5 origination fee per $100 borrowed with a Truist Ready Now loan equates to an effective APR of 16.94%. For example, if you borrow $500, your origination fee will be $25. You'll pay back a total of $525 in six consecutive monthly payments of $87.50 each.
No, only one Truist Ready Now loan is allowed at a time. After one loan is paid, 30 days must pass before you can be approved for another Truist Ready Now loan.
Yes, we’ll use your credit report in making a decision on your loan application and payment history will be reported to credit bureaus.
No, you’ll need to sign your loan documents using e-signature along with an email address and a valid U.S. mobile phone number. You’ll receive an email with a link to the e-sign form and text message with a personal code to complete the e-sign. If we approve your loan during business hours Monday-Friday by 3 pm, you’ll get the email and text about two hours later.
If you received the approval after 3 pm, you’ll get the email next business day (be sure to check your spam/junk folder if you haven’t received the email after you’ve been approved).
After your application is approved, you will receive a link via e-mail to e-sign the loan documents. Our electronic signature and funding processes are available during business hours. Our business hours are 8 am to 5 pm ET, Monday through Friday, excluding bank holidays. Applications approved during non-business hours or towards the end of a business day may not receive the e-mail until the next business day.
During business hours, it could take up to two hours (from the time application is approved) to receive the e-mail (check your spam folder if you haven’t received the e-mail). You will receive the funds the same day if you complete the e-sign step by 12 pm on a business day.
Still waiting on a decision? Sign in to check your application status.
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.
Apply by phone if you have a Truist account. Call 844-487-8478.
Minimum credit line
application, cash advance or annual fees
Apply by phone if you have a Truist account. Call 844-487-8478.
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, low-cost access to cash to help them focus on what matters most.
max line amount for medical residents and fellows
max line amount for board-certified physicians, dentists, and podiatrists
Explore different ways to borrow
Greet opportunities with confidence without disrupting your long-term investments. A Secured Line of Credit gives your balance sheet flexibility at a low-rate secured by your current investments. Contact a Premier banker to get started.
Overdrafts or unforeseen expenses, a Truist Ready Now credit line has your back.
Speak with a Premier banker to apply.
Get the cash you need for today. Stay on track for tomorrow’s goals. A Secured Line of Credit offers fast, easy access to funds for a large purchase or unplanned expense, and keeps your investments intact so they keep working for you.
Looking for credit-building opportunities instead? Speak to a loan advisor to learn more about a Secured Loan.
Apply by phone or in person.
Like a safety net for your checking account. Activate a Truist Ready Now Credit Line to get automatic overdraft protection—and it’s also there if you need cash for unforeseen expenses.
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
Tap into your home's equity without extending your term or changing your mortgage interest rate. Find out how a Home Equity Line of Credit can work for you.
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.
Startup, co-op, or mom-and-pop, keep your cash flow healthy so you can keep your business moving.
Put your net worth to work. Explore customizable solutions for strategic credit and asset management.