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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.

Apply in person to find the right loan , link opens in new tab

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

  • $5,000 minimum loan amount
  • Variable rates as low as 13.19% APR2 Excellent credit required for lowest rate
  • $0 application, cash advance or annual fees

Key benefits

  • Competitive, variable interest rate. Rates from Prime +5.44% to Prime +9.99% APR.2
  • Expect fast decisions and same-day funding may be available.1
  • Access to cash with Truist online banking and mobile app.

It's best for...

  • Getting revolving access to cash.
  • Adding extra purchasing power.
  • Being ready for unplanned expenses.
Apply in person

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

Why choose a personal loan or line of credit?

Finding the right loan is easy.

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.

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.1

Tailor your borrowing to fit your budget.

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.

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.

You may also be interested in these options.

Secured line of credit

Secured line of credit

Greet opportunities with confidence without disrupting your long-term investments. A Secured Line of Credit gives your balance sheet flexibility at a low-rate secured by your current investments. Contact a Premier banker to get started.

  • Lines starting at $25,000.
  • Get personal support from a Premier Banker.
View details about secured line of credit
Truist Ready Now credit line

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

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

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.