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

Low rates. Flexible monthly payment options.

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

Fast decisions. Fast funding.

Have a need for speed? We’ll show you how to drive your dream car off the lot as soon as the same dayDisclosure 1 . Let’s get going.

Convenience and support.

Have questions or need help? You’ll find a lot of smiling faces in any of our 1,900 locations. Or just give us a call. We’re ready to help.

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.

Great rates. Plenty of options.

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

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LightStream unsecured loan

Improve your home, consolidate debt, or manage big expenses with a LightStream loan. We have a unique, purpose-based lending solution with low fixed rates and custom loan terms for your needs.

  • Loans from $5,000 to $100,000
  • Rates from {{lsiMinRate}}% to {{lsiMaxRate}}% APR with AutoPayDisclosure 1
  • No fees … for anything
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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.

     

     

  • Choice of fixed or variable rates
  • Interest paid potentially tax-deductibleDisclosure 2
  • Borrow up to 89% of your home's value
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Boat & RV loans

We’ll help make adventures possible with boat and RV financing that’s as easy as your next weekend away.

  • Loans available for boat, marine, & RV
  • Fixed rates for the life of your loan
  • For purchasing new, used, or refinancing
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Auto loans

You can choose your car. Why not your loan? Buying or refinancing, we’ll help make your decisions easier.

     

     

     

  • $3,500 minimum borrowing amountDisclosure 3
  • Up to 84-monthDisclosure 4 terms available
  • Rates range from from 5.36% to 14.46% APR. Excellent credit required for lowest rateDisclosure 5
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Truist offers an additional unsecured loan option, which may include different underwriting guidelines, product terms, fees, and pricing. You can learn more by visiting a local branch or by phone. Call us at 844-4TRUIST (844-487-8478) Monday through Friday, 8 am to 8 pm, or Saturday, 8 am to 5 pm ET.

Frequently asked questions about loans and lines of credit

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The main difference between secured and unsecured loans is that secured loans require collateral and unsecured loans don’t.

For instance, a secured home loan uses your home as collateral, and a secured vehicle loan uses your vehicle as collateral. If you fail to pay the loan, you can lose your asset.

Unsecured loan benefits include a simpler application and approval process, because there is not a need to secure a title to collateral property.

Unsecured loans, also called unsecured personal loans, are backed by your creditworthiness—your past repayment history and your credit score, among other factors. Because of this, interest rates on unsecured loans can be higher than those on secured loans. We only approve good-to-excellent credit profiles for LightStream loans.

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. Offers are subject to credit approval under Truist underwriting guidelines including qualifying loans or lines with certain debt to income, FICO® scores, and other underwriting credit criteria.

  • Personal details, contact info, U.S. mobile phone number
  • Two years of address and employment history
  • Financial information (income, debts, personal obligations)

The way you apply depends on the type of loan or line you are selecting. Some loans and lines can be applied for online, others by phone. All can be applied for in a branch.

Applicants must be at least 18 years of age and meet applicable credit requirements for a personal loan or line of credit. Approval is based on several factors. We use a holistic view when reviewing an applicant’s credit history rather than relying solely on a client’s credit score.

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.

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.

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.

Money and Mindset

Make the most of life's moments

Secured vs. unsecured loans

Learn the difference between these two types of loans.

Need more help?

Check out Money and Mindset