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Online Loan Application

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Note: You can preview all pages of the application by clicking on the sections of the progress bar below. After you preview them, they must be completed in the order they appear.

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Basic Requirements

To Qualify: You have Good Credit including sufficient income and assets to support your existing debt obligations and requested loan amount.

Note: LightStream loans are not available to non-resident aliens.

To Apply: You need to 1) acknowledge receipt of our Statement on the Use of Electronic Records (click to review); 2) agree to receive electronic records; and 3) agree to use electronic signatures to sign your loan agreement.

Use of Loan Proceeds: Loans are only made to individuals, not to businesses. Loan proceeds must be used for the loan purpose selected on the application.

If you are relying on the income or assets of a spouse, domestic partner, or another individual, please complete a joint application. Thank you.

By selecting "Joint," you are applying for joint credit and are relying on joint income and assets as the basis for repayment of the credit requested.

Please verify your information—you will not be able to edit your application once it is submitted.

Note: You may only update your personal information. To edit any other fields, please restart your application.

By selecting "Individual," you are applying for individual credit in your name and are relying on your income and assets and not the income or assets of another person as the basis for repayment of the credit requested.

By selecting “Fiduciary”, you (as Power of Attorney, Guardian or Conservator) are applying on behalf of someone else (the Principal), and the Principal's income, assets, and credit information will be used for the application.

Please select an application type.

If other, please describe. Please note that loans are only made to individuals, not to businesses.

Please note that we are currently unable to 1) provide loans used to fund college or post-secondary education expenses, or 2) refinance previous college or post-secondary education loans.

Please select a loan purpose

Please describe your loan purpose

Please enter your zip code.

Zip code entered not found, please review your zip code and enter your state of residence.

A Florida documentary stamp tax , in the amount of will be added to your loan amount then transmitted for payment on your behalf. Stamp tax is not included when determining loan interest rate.

In your area, Truist offers additional loan options which may include different underwriting guidelines, product terms, fees and pricing. You can learn more by calling 844-4TRUIST or visiting a Truist branch.

We do not accept military residential addresses.

Please enter an amount.

Please enter an amount between $5,000.00 and $100,000.00

Please note: Credit Card/Debt Consolidation loan amounts greater than $50,000 are only available for excellent-credit applicants.

Please enter a term.

Please enter a term between 24 and 240 months

Please remember to include any additional tax, titling, or registration fees in your requested loan amount.

Please note: Credit Card/Debt Consolidation loan terms greater than 60 months with a loan amount of less than $25,000 are only available for excellent-credit applicants.

Please select a Payment Method

AutoPay rates are .50% lower than Invoice.

AutoPay discount available only when selected prior to loan funding. With AutoPay, automated monthly payments can be made from an account with any bank or credit union in the United States, as long as the account permits ACH withdrawals.

Please select a payment method.

Monthly Payment: to

Interest Rate/APR: % to %

Exact rate within this range is determined by your credit profile.

Based on the loan amount entered, please enter a term between 24 and 240 months. If you require additional information, see Rates and Terms.

See our Privacy Policy for how we handle your information.

E H L Truist Bank is an Equal Housing Lender. © 2025 Truist Financial Corporation.
Truist, LightStream, and the LightStream logos are service marks of Truist Financial Corporation. All rights reserved.
All other trademarks are the property of their respective owners. Lending services provided by Truist Bank.

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