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Unsecured personal loan

Consolidate debt. Manage big expenses. Simplify your life. A low-interest loan can open a world of possibilities.

Apply now to find the right loan
  • $3,500 minimum loan amountDisclosure 1
  • Rates range from 8.20% to 17.04% 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 3
  • 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.
Apply now

What will my Personal Loan payments be?

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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 $100,000.
  • Get personal support from a Premier Banker.Disclosure 4

     

View details about secured line of credit

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.
Learn more 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.

Frequently asked questions about personal loans

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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 from 8.20% APR to 17.04% 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.

Looking for something else?

Auto loans

Explore our rates for new or used cars. Or refinance your current loan. Check current rates and estimate your costs with our loan calculator.

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.

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Loans and lines of credit are subject to credit approval.

Disclosure 1 Minimum loan amount may vary in some states to comply with applicable law.

Disclosure 2 Your loan terms, including APR, may differ based on amount, term length, and your credit profile. Current rate range is 8.20% to 17.04% APR. Excellent credit and up to a three-year term are required to qualify for lowest rates. Monthly payments for a $15,000 loan at 8.87% with a term of three years would result in 36 monthly payments of $476.09. Less than a majority of applicants qualified for lowest rate. Conditions and limitations apply. Advertised rates and terms are subject to change without notice. These offers are subject to credit approval under Truist’s underwriting guidelines including qualifying loans with certain debt to income, FICO® scores and other underwriting credit criteria.

Disclosure 3 Your loan officer will provide you with guidance on what documentation is needed to help expedite the approval process. You may be able to fund your loan today if today is a banking business day.

Disclosure 4 Clients with Truist deposits and investments totaling $100,000 or more will have access to select benefits and privileges associated with our Premier Banking program. Consultative support and financial planning with a Premier Banker require $250,000 in assets. 

Disclosures

Truist Bank, Member FDIC. © 2025 Truist Financial Corporation. Truist, the Truist logo and Truist Purple are service marks of Truist Financial Corporation.

Equal Housing Lender

Investment and Insurance Products:

  • Are Not FDIC or any other Government Agency Insured
  • Are Not Bank Guaranteed
  • May Lose Value

TRUIST is a service mark of Truist Financial Corporation (Truist) and its affiliates.

Services provided by Truist Financial Corporation (Truist) affiliates: Banking products and services, including loans and deposit accounts, provided by Truist Bank, Member FDIC. Trust and investment management services provided by Truist Bank. Securities, brokerage accounts and /or annuities offered by Truist Investment Services, Inc., an SEC registered broker-dealer, and member FINRA and SIPC, and a licensed insurance agency. Investment advisory services offered by Truist Advisory Services, Inc. and GFO Advisory Services, LLC, SEC registered investment advisers. Some insurance products offered by Truist Investment Services, Inc. Other insurance products offered by McGriff Insurance Services, LLC (McGriff), Kensington Vanguard National Land Services, LLC (Kensington Vanguard) and Crump Life Insurance Services, LLC (Crump). Truist Life Insurance Services (TLIS) is a division of Crump, Arkansas License #100103477. Variable insurance material is for broker-dealer or registered representative use only. Variable products distributed by P.J. Robb Variable (PJRV), LLC, Arkansas License #100110185. Member FINRA.

McGriff, Kensington Vanguard, Crump, TLIS, and PJRV are not affiliated with Truist Financial Corporation or any of its subsidiaries.

Truist Securities is a trademark of Truist Financial Corporation. Truist Securities is a trade name for the corporate and investment banking services of Truist and its subsidiaries. All rights reserved. Securities and strategic advisory services are provided by Truist Securities, Inc., member FINRA and SIPC. Lending, financial risk management, and treasury management and payment services are offered by Truist Bank.

Mortgage products and services are offered through Truist Bank. All Truist mortgage professionals are registered on the Nationwide Mortgage Licensing System & Registry (NMLS), which promotes uniformity and transparency throughout the residential real estate industry. Search the NMLS Registry.

Comments regarding tax implications are informational only. Truist and its representatives do not provide tax or legal advice. You should consult your individual tax or legal professional before taking any action that may have tax or legal consequences.

"Truist Advisors" may be officers and/or associated persons of the following affiliates of Truist, Truist Investment Services, Inc., and/or Truist Advisory Services, Inc. Truist Wealth, International Wealth, Center for Family Legacy, Business Owner Specialty Group, Sports and Entertainment Group, and Legal and Medical Specialty Groups are trade names used by Truist Bank, Truist Investment Services, Inc., and Truist Advisory Services, Inc.

Applications, agreements, disclosures, and other servicing communications provided by Truist Bank and its subsidiary businesses will be provided in English. As a result, it will be necessary for customers to speak, read and understand English or to have an appropriate translator assisting them. Truist offers phone support in Spanish at 844-4TRUIST (844-487-8478), option 9. For assistance in other languages, please speak to a representative directly.

New York City residents:

Translation or other language access services may be available. When calling our office regarding collection activity, if you speak a language other than English and need verbal translation services, be sure to inform the representative. A description and translation of commonly-used debt collection terms is available in multiple languages at http://www.nyc.gov/dca.

Borrowers with Limited English Proficiency (LEP) needing information can use the following resources:

The Consumer Finance Protection Bureau (CFPB) also provides additional resources for homeowners seeking payment assistance in select languages at: https://www.consumerfinance.gov/housing/housing-insecurity/help-for-homeowners/

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