• $300 - $7,500available credit line
  • No collateral required
  • $0 overdraft feeon your linked Truist checking account

Key benefits

It's best for...

  • Protection from the higher cost of overdraft fees
  • Fast, versatile access to cash when you need it
  • Replenished credit line access as you pay it down

Or apply by phone if you have a Truist account. Call 844-487-8478

Frequently asked questions about the Truist Ready Now credit line

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Apply in person at a branch or by phone at 844-487-8478 if you have a Truist account. A Truist checking account is required for a Truist Ready Now credit line. There is no wait after opening a checking account to apply for the Truist Ready Now credit line.

Access the cash from your Truist Ready Now credit line with the Truist online banking and mobile app. You can also make cash advances at a Truist branch and ATM.

You can use your Truist Ready Now credit line for access to cash when you need it. It is most often used for short-term borrowing needs, a safety net for declines, overdrafts, and life’s unexpected expenses.

Yes. Your credit is pulled to determine eligibility for the product. Once approved, the line of credit will appear on your credit report as an open line or credit card would. Late payments are reported to credit bureaus.

2% of the outstanding balance or $10, whichever is greater.

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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.

A few other ways we can help

Truist One Checking

A new kind of checking account that offers five different benefit levels based on your account balances and activity. The more you grow, the more perks you get. Plus, no overdraft fees.

Check for credit card offers

You might be qualified for some special offers. It takes 60 seconds to find out with no impact to your credit score.

Truist Confidence Account

Feel better. Take control. Start living confidently. The Truist Confidence Account is designed to help you build a strong financial foundation.