Truist Personal Loans Review 2025: Loans Through LightStream

Best for Excellent Credit

4.8 _/5

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LightStream Unsecured Loan

Personal Loans

• Generous Rate Beat program
• Absolutely no fees
• Fast same-day funding

• Not issued directly by Truist but through LightStream, an online-only division of Truist
• Strict credit score requirement
• Can’t prequalify with a soft credit check 
• Negative customer reviews
• High loan minimum

Fixed rates (APR)	7.99%% – 25.49%%, varies by loan type and credit profile
Loan amounts	$5,000 – $100,000
Term lengths	24 – 240 months
Minimum credit score	660

With no fees and a generous rate beat program, LightStream personal loans from Truist are a solid option for quick funding. But you can’t prequalify with a soft credit check, so your score might take a hit when you get a sample offer. You also need good or excellent credit to qualify, making it inaccessible for some borrowers.

Truist personal loans are available through LightStream, which is the online lending division of the bank. Truist Bank has been in business since 2019, when BB&T and SunTrust merged to form a new entity. Some people use one name or the other, but the loans are the same.

Table of Contents

1. Does Truist offer personal loans?
2. LightStream overview
3. How Truist and LightStream are connected
4. Alternatives

Does Truist offer personal loans?

Not directly. Truist Bank offers personal loans through its personal lending division, LightStream. You won’t find a separate LightStream or Truist personal loan; it’s the same product. We’re confident both are reputable lenders, but if you’re looking for an in-person or full-service bank experience, you’ll likely want to keep shopping. (Check out our reviews of the best banks for personal loans for several alternatives.) 

You can apply for a personal loan on the Truist or LightStream website, which might seem confusing. But the loans are the same, and you’ll end up on the same application page once you hit “apply.”

The company also doesn’t offer a separate loan if you apply in person at one of Truist Bank’s branch locations. Every application is for a LightStream unsecured loan.

LightStream personal loans overview

LightStream personal loan rates are much lower than average, and the autopay discount of 0.50% helps you save even more. If you can get a lower rate from another borrower, LightStream will beat it by 0.10%. So if you get an offer for a $10,000 loan with a 7% rate from a different bank, due to the Rate Beat program, you can get a 6.90% LightStream loan offer. 

The funding timeline is another standout feature. You can get funds in as little as one day.

Truist Bank makes clear that LightStream personal loans are only for borrowers with good or excellent credit, and it doesn’t allow prequalification with a soft credit check (which doesn’t affect your credit). Not everyone will qualify, but it’s likely one of the best options if you’re confident you’ll be approved.

Term	Details
Minimum credit score	660
Fixed rates (APR)	7.99%% – 25.49%%, varies by loan type and credit profile
Rate discounts	0.50% for autopay
Loan amounts	$5,000 – $100,000
Term lengths	24 – 144 months
Unsecured or secured?	Unsecured
Joint loans?	Yes
Time to funding after approval	As soon as same day
Fees	None
Unique features	0.10% Rate Beat program

How Truist and LightStream are connected

Truist was formed in 2019 through the merger of SunTrust and BB&T. Before this, LightStream was the national online consumer lending division of SunTrust Bank. The AnythingLoan, a quick and flexible online lending option, was one of the first versions of today’s LightStream personal loan. 

Although SunTrust is now part of Truist, the LightStream personal loan remains available. Also known as the Truist personal loan, it’s the company’s only unsecured loan option. Whether you apply from the Truist or LightStream website, you’re applying for the same loan.

Truist personal loans pros and cons

LightStream personal loans from Truist are a strong pick for some borrowers. But it’s not the best option for everyone. Here’s what to consider before applying for a personal loan.

Pros

• Generous rate beat program

  LightStream will beat any other offer by 0.10%, ensuring you get the lowest rate.

• Absolutely no fees

  You won’t pay any fees for origination, application, or prepayment. 

• Quick same-day funding

  LightStream will deliver funds the same day you apply as long as you complete every step before 2:30 pm Eastern on a business day.

Cons

• Not issued directly by Truist

  Loans are offered through LightStream, an online-only division of Truist, which may disappoint customers looking for an in-person or full-service bank experience.

• Strict credit score requirement

  You need excellent credit to get a Truist personal loan, so you might need to improve your credit score before applying.

• Negative customer reviews

  Truist Bank earns low ratings on most review sites, suggesting that the customer experience falls below average.

• High loan minimum

  You must borrow at least $5,000, which might be more than you need. 

• No prequalification with a soft credit check

  You’ll need to agree to a hard credit pull, which affects your credit, before you’ll know whether you qualify, and to see your rates and loan offers.

Truist personal loan reviews

Truist is a reputable company with BBB accreditation. But customer reviews are below average, and the company earns low ratings on all major review sites. Customers complain about a lack of communication and slow service in person and online. 

Many customers mention that they were with BB&T or SunTrust before the merger and that the customer experience has gotten worse since then. Hiccups after a large merger aren’t uncommon, so it’s hard to predict the experience of a new customer.

Here’s a look at Truist’s ratings on the biggest review sites:

Source	Customer rating	Number of reviews
Better Business Bureau	1.08/5	1,404
Trustpilot	1.2/5	1,793
Google	3.7/5	176

For the sake of comparison, LightStream fares similarly among customers, although with far fewer reviews:

Source	Customer rating	Number of reviews
Better Business Bureau	1.38/5	63
Trustpilot	1.3/5	98
Google	3.7/5	46

Alternatives if you prefer a bank personal loan

Truist vs. PNC Bank

With a low starting limit of $1,000, PNC Bank is one of the best picks if you need a small personal loan. PNC also makes it easy to see whether you qualify with a soft credit check, a feature Truist doesn’t offer.

You must be a PNC customer to apply online, though. PNC doesn’t charge fees, and the repayment terms are flexible. But PNC personal loans aren’t available in every state, so it might not be an option depending on where you call home. 

Truist vs. Wells Fargo

Wells Fargo is another solid option if you need a large personal loan: Its borrowing limits range from $3,000 to $100,000. The biggest downside? Loans are only available to current Wells Fargo customers, and your account must be open for at least 12 months before you can apply.

Once you become a customer, you can take advantage of a 0.25% relationship discount, making Wells Fargo’s rates quite competitive. Wells Fargo’s funding is quick, and you can get a same-day decision.

Truist vs. TD Bank

Loans from TD Bank aren’t available in every state, but it’s a strong pick if you live in one of the 15 states with access. TD Bank doesn’t charge any fees, and loans range from $2,000 to $50,000.

At the time of writing, TD’s starting rate is higher than Truist’s loans. It’s a more expensive option, but it could be worth it if you can’t qualify with Truist or don’t want to work with LightStream.

How we rated LightStream personal loans from Truist

We designed LendEDU’s editorial rating system to help readers find companies that offer the best personal loans. Our system awards higher ratings to companies with affordable solutions, positive customer reviews, and online transparency of benefits and terms.

We compared LightStream to several personal loan lenders, using hundreds of data points from company websites, public disclosures, customer reviews, and direct communication with company representatives. We weighted, scored, and combined each factor to produce a final editorial rating. This rating is expressed on a scale from 1 to 5, with 5 being the highest possible score. Our take is represented in our rating and best-for designation, recapped below.