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 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.

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

8.49% 8footnote  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

8.99% 8footnote  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

7.49% 8footnote  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

7.49% 8footnote  APR with AutoPay and excellent credit
  • Get funds as soon as the day you apply 9footnote
  • No fees or prepayment penalties
  • Fast, easy online application

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

10.05% 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

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

8.74% to 17.39% APR 1footnote 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

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

13.69% APR 3footnote Excellent credit required for lowest rate.
  • Fast approvals and same-day funding may be available
  • No cash advance fees
  • No collateral needed

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

6.49% to 15.00% APR 7footnote Excellent credit required for lowest rate.
  • Fast decisions—as little as 10 minutes 2footnote
  • 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 8.74% to 17.39% 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 8.50% as of 8/1/23. Standard APRs could range from Prime + 5.19% (currently 13.69% APR) to Prime + 9.49% (currently 17.99% 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 1/1/23 – 1/15/24 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 8.50% as of 8/1/23. 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 +1.55% (currently 10.05% APR) to Prime + 7.50% (currently 16.00% 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 1/1/2023-1/15/2024 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

7 Your loan terms, including APR, may differ based on amount, term length, and your credit profile. Current rate range is 6.49% to 15.00% 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

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. Back to top

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. Back to top

10 Your loan terms, including APR, may differ based on loan purpose, amount, term length, and your credit profile. Lowest rates require excellent credit. 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

11 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.

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.

  • $3,500 minimum borrowing amount
  • No origination fees
  • Rates range from 8.74% to 17.39% APRDisclosure 2


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 13.69% APRDisclosure 3


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.

  • $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 12.50% APRDisclosure 4

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.

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