Truist Bank – Personal Loan
Truist Bank, formed by the merger of BB&T and SunTrust, offers personal loans with no origination fees and a 0.25% autopay discount.
Applying does not obligate you to accept a loan offer.
Truist Personal Loan – Review 2026
Truist Financial Corporation was created in 2019 from the merger of BB&T and SunTrust, making it the sixth-largest commercial bank in the United States. Personal loans are offered directly through Truist branches and online banking.
Loan Range
Loans range from $3,500 to $50,000 with terms of 24 to 60 months. APRs run from 8.39% to 18.49% with no origination fee and a 0.25% autopay discount. Truist also owns LightStream, its online lending arm for prime borrowers.
✓ Pros
- No fees
- Autopay discount
- Joint applications
- Strong branch presence
✗ Cons
- Limited to 15 states
- Slower than online lenders
- No co-signer option
Loan Example
Example: $10,000 loan for 48 months at 13.99% APR = monthly payment of $273.49, total payable $13,127.52.
Eligibility Requirements
- ✓ Age 18+ years
- ✓ US resident in Truist service area
- ✓ FICO 660+
- ✓ Verifiable income
- ✓ Truist or US bank account
Loan Features
- No origination fees
- 0.25% autopay discount
- Loans up to $50,000
- Joint applicants accepted
- Large branch network
Frequently Asked Questions
1-3 business days after submitting your application.
The minimum amount at Truist Bank is $3,500 USD.