• $3,500 minimum loan amount
  • Rates range from 7.34% to 15.99% APR2 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.
  • 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

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.

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.

What will my Personal Loan payments be?

Truist Ready Now Loan is a high cost loan with an effective APR of 16.95%. Note: FL residents will also pay the FL state doc stamp fee, so the monthly payment amount and the effective APR will be different for FL residents.

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

Looking for something else?

Auto loans

Find the best 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.