• $3,500 minimum loan amount
  • Rates range from 8.87% to 17.82% APRDisclosure 2 Excellent credit required for lowest rate
  • No origination fees

Key benefits

  • Fixed rates for the life of your loan.
  • Expect fast decisions and same-day funding may be available.Disclosure 1
  • No collateral is needed.

It's best for...

  • Consolidating high-interest debt to save time and money.
  • Financing home improvements without collateral.
  • Paying for other large purchases or expenses.
  • Fixed monthly payments that work with your budget.

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

What will my Personal Loan payments be?

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 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.

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 loans and lines of credit

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Refinance options are available based on eligibility. Consult with your loan specialist for guidance in finding the best options to meet your financial goals.

You do not need collateral for an unsecured personal loan at Truist.

Applicants must be at least 18 years of age and meet applicable credit requirements for a personal loan. Approval is based on several factors. We use a holistic view when reviewing an applicant’s credit history rather than relying solely on a client’s credit score.

Truist offers fixed rates for the life of your loan. Rates range from 8.87% APR to 17.82% APR.Disclosure 2 Rate is determined by several factors, including credit history and loan term.

Unsecured personal loan borrowing amounts range from $3,500 to $50,000. Truist offers fixed terms up to 84 months. For example, a personal loan for $20,000 at 11.49% APR, with a term of 84 months, would result in a monthly payment of $347.62. Max term depends on loan amount, creditworthiness, and other factors.

You can apply online for a personal loan or, if you have a Truist account, by phone at 844-4TRUIST (844-487-8478).

If applying online:

1.     Gather your information.

- Personal details, contact info, U.S. mobile phone number

- Two years of address and employment history

- Financial information (income, debts, personal obligations)

2.     Submit your online application.

3.     Check your email.

- Look for emails from Truist about your personal loan. Please remember to check your junk or spam email folder.

- You may receive a phone call from Truist if more information is needed.

A payoff statement can be requested by mail, phone, or branch. Payments can be accepted by mail, phone, through your online or mobile banking, or in a branch. If you wish to pay off your loan in full before its term ends, you can do so without penalty.

To pay by mail:

Truist Item Processing Center
P.O. Box 580057
Charlotte, NC 28258-0057

To pay by phone: Call 844-4TRUIST (844-487-8478)

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.

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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.

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.