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Truist Ready Now loan

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.

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  • $100 minimum loan amount
  • $1,000 maximum loan amount
  • $5origination fee per $100 borrowed4

Key benefits

  • Easy online access to cash. You may be able to get funded the same day.
  • No fees for late payments or repaying your loan early.
  • Fixed monthly payments to fit your budget.

What you'll need to get started:

  • You'll need to have a Truist personal checking account that has been open for at least six months and must not be overdrawn as of the end of the previous business day.
  • A valid Social Security number.
  • U.S. citizenship or permanent residency.

What will my Ready Now Loan payments be?

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You may also be interested in this option.

Truist Ready Now credit line

Overdrafts or unforeseen expenses, a Truist Ready Now credit line has your back.

  • Lines range from $300 to $7,500.
  • No transfer fees.
  • Available to clients with a Truist checking account.
View details about Truist Ready Now credit line

Frequently asked questions about Truist Ready Now loans.

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No. Only one applicant is allowed.

The first payment will be at least 30 days from the date on the loan agreement (loan date).

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.

You can make payments by signing in to online or mobile banking, calling Truist Client Care, by visiting a branch, or mailing a check to the address on your statement. You can also set up an automatic payment.

Yes,  you can! There are no fees for repaying your Truist Ready Now loan early.

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