Personal Loans

From updating your home to consolidating debt, we've got a personal loan that's right for you

Get started find the BB&T personal loan that's right for you - important (moves focus down)

Flexible financing with competitive rates

BB&T offers a variety of loan options with quick approvals and helpful service. Let us help simplify the process for you.

Looking to make a payment on your current loan?

Which loan is right for you?

Whatever your needs may be, we make it easy for you to borrow money. Pay for major purchases or save money by consolidating your higher-interest debt with our competitive rates and flexible terms.

Tell us about yourself, and we'll help you get started:

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Choose one or more of the above boxes to see your options.

Auto loans

Whether you purchase, refinance or buy-out the lease of your vehicle, we provide competitive rates and flexible terms.

  • Refinance your existing loan at a lower rate
  • Purchase a used car from a private seller or dealer
  • Avoid excess mileage fees with a lease buy-out loan

Unsecured loans and lines of credit

Get access to funds without collateral when you want to consolidate debt, pay for a vacation or make home improvements.

  • Choose a fixed rate and term for predictable payments
  • Manage cash flow fluctuations with a preferred line of credit
  • Pay off your loan early at any time with no penalty

Debt consolidation

Save money by combining your outstanding debts into one loan at a competitive interest rate.

  • Simplify your finances with one monthly payment
  • Eliminate high-interest credit card debt
  • Enjoy competitive interest rates and flexible terms

Boat and marine lending

From new and used boat loans to yacht refinancing, our easy lending options will keep you sailing in the right direction.

  • Shorten your term and lower your payment with our refinance plans
  • Purchase from a private seller or a dealer
  • Benefit from quick approvals and knowledgeable service

Recreational loan

Enjoy flexible payment options when you finance your RV, motorcycle, airplane or personal watercraft.

  • Get knowledgeable service and quick approvals
  • Purchase new or used from a private seller or dealer
  • Pay off your loan early at any time with no penalty

Home equity loans

Use the equity in your home to pay for everything from home improvements and car purchases to college tuition and more.

  • Interest on your payments may be tax deductible1
  • Lower interest rates than many other types of loans
  • No origination or appraisal fees2

Do you have financial assets that you'd like to use as collateral?

Depending on your collateral, you could get up to 100% financing without ever having to touch your investments or deposits.

Use your life insurance, savings, CDs, mutual funds, brokerage accounts and bonds as collateral, and enjoy flexible repayment options.

Get started below.

Interested in a credit solution for overdraft protection?

BB&T Constant Credit is a line of credit that can be used for overdraft protection. Get instant access to cash by writing a check or transferring money from your account.

Automatically transfer money from your line of credit account in the event of overdrafts. Credit lines are available from $300 to $7,500.

Get started below.

Are you looking for a student loan?

You can finance college expenses with many of our lending options, including home equity loans that may provide tax-deductible interest.

If you are looking for federal student loans, contact your school's financial aid office or visit StudentAid.gov (opens in a new tab).

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Still exploring?

When you know what lenders are looking for and how to improve your ability to borrow, you can make the best financial choice for your situation.

You might want to simplify your debt if it exists in numerous places. Calculate what your monthly payment would be with a consolidated loan.

Debt consolidation can improve your finances in two big ways.

1Consult your tax advisor for details. A 1098 will be issued as required by law.

2All BB&T home equity lines of credit are subject to credit approval under the BB&T underwriting guidelines including qualifying lines with certain loan-to-value, debt-to-income, FICO scores and other underwriting criteria. Certain other conditions and restrictions such as repayment selection, lien position, line size, loan-to-value, closing costs and other loan guidelines may apply. This offer is limited to owner-occupied, single-family dwellings and is not valid for rental properties, cooperatives, mobile homes or residential lots. Prime Rate is a variable rate based on the Prime Rate published on the first day of each month in the Eastern Edition of The Wall Street Journal. As of July 1, 2017, the Prime Rate is 4.25%. A Texas resident that has financed or refinanced a homestead or home equity in the previous 12 months may not be eligible for another homestead or home equity loan based on state law. These programs may change or end at any time. Minimum line size associated with this rate is $15,000 and the maximum line size associated with this rate is $1,000,000. To receive the discounted introductory rate the client must take an initial draw at closing from the new line of credit of greater than or equal to $15,000. Initial balances of greater than or equal to $15,000 as well as any other outstanding balances on your new line of credit during the first 12 months after loan closing date will be calculated at the introductory variable rate as low as 2.99% APR, which is 1.25% below the current rate of Prime -0.01% (4.24% APR). After 12 months, your APR will revert to a standard variable APR of Prime Rate -0.01% (currently 4.24% APR) for the remaining life of the line. The maximum rate that can be charged is 18.00% or the maximum permitted by state law, whichever is less. The advertised rate is assuming the client pays all closing costs at the time of loan closing. The advertised rate will vary if the client chooses for BB&T to pay their closing costs, which is an option in some states if the requested loan amount is ≤$500,000. Other fees may be charged at origination, closing or subsequent to closing, ranging from $0 to $10,000, and may vary by state. If you pay off your BB&T Home Equity Line of Credit within 36 months from the date of loan origination, you may be required to remit any closing costs BB&T paid on your behalf. There is a $50 annual fee in AL, FL, GA, IN, KY, NJ and OH. Property insurance, and flood insurance where applicable, may be required.

Loans, lines of credit and credit cards are subject to credit approval.

Only deposit products are FDIC insured.

Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender. Equal Housing Lender icon