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Personal lending options

Get rid of debt faster. Cover unexpected expenses. Replace your HVAC (finally). We’ll help you find a great way to do it.

Do more than dream. Make it real with the right loan.

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.

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.

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.

Small loans for the unexpected. Revolving credit lines for added flexibility. The funds you need to meet your goals. You have options.

Great rates. Plenty of options.

Personal loan

Fast approvals. Same-day access to cash. No collateral needed. A personal loan is a great choice to consolidate debt, or to pay for home improvements, a wedding, or a vacation.

  • $3,500 minimum borrowing amount
  • No origination fees
  • Rates range from 8.19% to 17.24% APR2

Apply now for a personal loan.
Learn more about Personal Loans.

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.

  • $5,000 minimum credit line
  • $0 application and cash advance
  • Variable rates as low as 13.69% APR3

Apply in person
Learn more about personal line of credit

Physician line of credit

Practicing as a physician means dedication—but it shouldn’t always mean sacrifice. With a Truist physician line of credit, interns, residents, and fellows can have easy, low-cost access to cash to help them focus on what matters most.

  • $50,000 max line amount for medical residents and fellows
  • $100,000 max line amount for board-certified physicians, dentists, and podiatrists
  • Variable rates as low as 12.50% APR4

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?

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.

Money and Mindset

Make the most of life's moments

Spending and Saving

Don’t let the unexpected rattle you, grow your money confidence.

Need more help?

Check out Money and Mindset

Tools

Guide to budgeting

Credit card payoff calculator

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1 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.

2 Your loan terms, including APR, may differ based on amount, term length, and your credit profile. Current rate range is 8.19% to 17.24% 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 8.19% with a term of three years would result in 36 monthly payments of $471.00. 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.

3 Subject to credit approval, eligibility and credit qualifications. Personal Line of Credit rates will vary with the market based on the Prime Rate. The Prime Rate means the highest per annum "Prime Rate" of interest published by The Wall Street Journal, which was 8.50% as of 8/1/23. For a Personal Line of Credit, standard APRs could range from Prime + 5.19% (currently 13.69% APR) to Prime + 9.49% (currently 17.99% APR) and are based on your credit line amount and creditworthiness. Excellent credit is required to qualify for lowest rates. At least 50% of approved applicants applying for the advertised rate qualified for the advertised rate based on data from 1/1/23 – 9/15/23 for a $5,000-$50,000 loan for 180 months or less.

4 Subject to credit approval, eligibility and credit qualifications. Physician Line of Credit rates will vary with the market based on the Prime Rate. The Prime Rate means the highest per annum "Prime Rate" of interest published by The Wall Street journal, which was 8.50% as of 8/1/23. For a Physician Line of Credit, standard APRs could range from Prime + 4.00% (currently 12.50% APR) to Prime + 7.99% (currently 16.49% APR) and are based on your credit line amount and creditworthiness. Excellent credit is required to qualify for lowest rates. At least 50% of approved applicants applying for the advertised rate qualified for the advertised rate based on data from 1/1/23 – 9/15/23 for a $5,000-$100,000 loan for 60 months or less.

Disclosures

Truist Bank, Member FDIC. © 2023 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

Services provided by the following affiliates of Truist Financial Corporation (Truist): Banking products and services, including loans and deposit accounts, are provided by Truist Bank, Member FDIC. Trust and investment management services are provided by Truist Bank, and Truist Delaware Trust Company. Securities, brokerage accounts and /or insurance (including annuities) are offered by Truist Investment Services, Inc., and P.J. Robb Variable, LLC., which are SEC registered broker-dealers, members  FINRA SIPC and a licensed insurance agency where applicable. Investment advisory services are offered by Truist Advisory Services, Inc., GFO Advisory Services, LLC, Sterling Capital Management, LLC, and Precept Advisory Group, LLC, each SEC registered investment advisers. Sterling Capital Funds are advised by Sterling Capital Management, LLC. Insurance products and services are offered through McGriff Insurance Services, LLC. Life insurance products are offered through Truist Life Insurance Services, a division of Crump Life Insurance Services, LLC, AR license #100103477. Both McGriff and Crump are wholly owned subsidiaries of Truist Insurance Holdings, LLC.

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.

Truist Securities is a trademark of Truist Financial Corporation. Truist Securities is a trade name for the corporate and investment banking services of Truist Financial Corporation 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. Deposit products are offered by Truist Bank.

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 the following resources for consumers that have Limited English Proficiency:

  • Multilingual teammates available at our Multicultural Banking Centers
  • Materials for some products and services are available in Spanish, Korean, Vietnamese, Mandarin, and other languages spoken in the communities we serve.
  • Phone assistance 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.

  • Limited English Proficiency Support
  • New York City residents

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

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