Personal Loans

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

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.

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 with our competitive interest rates
  • 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 and lines of credit

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

  • Competitive interest rates
  • No closing cost option
  • Convenient account access methods

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're looking for federal student loans, contact your school's financial aid office or visit in a new tab).

Ready to get started?

In person

Locate a branch.

Still exploring?

Does Debt Consolidation Make Sense for You?  (Article)

Debt consolidation can improve your finances in two big ways.

Should I Consolidate My Debt?  (Calculator)

Find out if debt consolidation is right for you with this handy calculator.

What Should I Know Before Borrowing Money?  (Article)

Know what lenders are looking for and improve your ability to borrow.

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    All BB&T HELOCs are subject to credit approval under BB&T’s underwriting guidelines including qualifying lines with certain loan-to-value, debt-to-income and FICO scores. Certain other conditions and restrictions such as 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 on mobile homes, cooperatives or other ineligible collateral types. 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 October 1, 2019, the prime rate is 5.00%. A Texas resident who 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 $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 $15,000. Initial balances of $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 3.74% annual percentage rate (APR), which is 1.25% below the current rate or prime -0.01% (4.99% APR). After 12 months, your APR will revert to a standard variable APR of prime rate -0.01% (currently 4.99% APR) for the remaining life of the line. The maximum rate that can be charged is 18.0% or the maximum permitted by state law, whichever is less. The advertised rate will vary if the client chooses for the bank to pay their closing costs, which is an option in some states if the requested loan amount ≤$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, GA, FL, KY, OH, NJ and IN. Property insurance, and flood insurance where applicable, may be required. This rate offer may change at any time.

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.?