• $5,000 minimum loan amount
  • Variable rates as low as 12.94% APRDisclosure 2 Excellent credit required for lowest rate
  • $0 application or cash advance feesDisclosure 3

Key benefits

  • Competitive, variable interest rate. Rates from Prime +5.19% to Prime +9.49% APR.Disclosure 2
  • Expect fast decisions and same-day funding may be available.Disclosure 1
  • Access to cash with Truist online banking and mobile app.

It's best for...

  • Home improvements or short‐term financing.
  • Adding extra purchasing power.
  • Being ready for unplanned expenses.

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

You may also be interested in these options.

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.

Truist Ready Now credit line

Overdrafts and unforeseen expenses can happen. Give yourself a softer landing with a Truist Ready Now credit line. Get fast access to cash and be protected from the higher cost of overdraft fees.

  • Lines range from $300 to $7,500.
  • No collateral required.
  • Available to clients with a Truist checking account.

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.

Frequently asked questions about personal lines of credit

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Applicants must be at least 18 years of age and meet applicable credit requirements for the product.

Line terms, including APR, are determined by various factors including how much you borrow, how long you will need to repay it, and your credit profile.

Access the cash from your personal line of credit with the Truist online banking and mobile app, or at a Truist branch or ATM.

Truist offers variable rates as low as 13.19% APR.Disclosure 2 Excellent credit is required to receive the lowest rate on your personal line of credit.

Clients are not permitted to exceed their approved credit limit. Please consult your loan specialist for alternatives if you feel your approved limit does not meet your goals.

Line of credit payments are made monthly. A line of credit gives you a set limit you can borrow from again and again—as long as you keep paying back what you owe. Let’s say a client is approved for a $10,000 line of credit. That client uses $5,000 of their $10,000 limit, then repays the balance. They would be able to borrow up to the full $10,000 without needing to reapply, as long as it is within the draw period.

You can use your personal line of credit for access to cash when you need it, for whatever you need it for.

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.