Truist personal loans and lines of credit

Truist Ready Now loan

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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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  • You have a Truist personal checking account open for at least six months.
    If you need an account, we have great options for you.
  • That checking account had a positive balance at the end of the previous business day
  • You've paid off any previous Truist Ready Now Loan at least 30 days ago.
  • You have an address within our service area (AL, AR, DC, FL, GA, IN, KY, MD, MS, NJ, NC, OH, PA, SC, TN, TX, VA, WV)
If yes to all, you're ready to apply.


minimum loan amount


maximum loan amount


origination fee per $100 borrowed4

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.

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.

Use Truist Ready Now Loan for…

  • Car repairs.
  • Higher utility bills.
  • Plumbing or appliance repairs.

What you’ll need to get started:

  • You 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?

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 through Friday, 8 am to 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.

Still waiting on a decision? Sign in to check your application status.