Personal Lines of Credit

Cover extra expenses with a low rate secured or unsecured personal line of credit.

Plan ahead for major expenses like home improvements or college tuition with help from a SunTrust personal line of credit. It is also ideal for handling unexpected costs that arise, like a leaky roof replacement or an emergency transmission repair. No matter which personal line of credit you choose, or what you use the funds for, you can feel confident knowing they’re a smart borrowing solution with a generous credit limit. With credit line options up to $5,000,000, choose the line that is right for you.

What will it take to pay off my line of credit?

Important Information About These Products

Subject to credit approval, eligibility and credit qualifications.

1 Line maturity and access to available funds is determined by line amount and an annual credit review process.

2 Personal Credit Line rates will vary with the market based on the Prime Rate. The Prime Rate means the highest per annum "Prime Rate" of interest published by The Wall Street Journal in its "Money Rates" listings, which was 5.25% on 9/27/2018. For a Personal Credit Line Plus, standard APRs could range from Prime + 3.15% (currently 8.40% APR) to Prime + 3.95% (currently 9.20% APR) and are based on your credit line amount and creditworthiness. For a Select Credit Line, standard APRs could range from Prime + 0.50% (currently 5.75% APR) to Prime + 0.95% (currently 6.20% APR) and are based on your credit line amount and creditworthiness. The maximum APR for loans in AL, AR, DC, GA, MD, SC and VA is 24%. The maximum APR for loans in TN is 21%. The maximum APR for loans in FL, MS, NC and WV is 18%.

3 To qualify for this line, $100,000 or more in verifiable eligible investable assets held with SunTrust Bank or other financial institutions are required.

4 To qualify for this line, $100,000 or more in eligible investable assets held with a SunTrust Bank or SunTrust Investment Services "STIS" investment account is required as collateral. Certificates of stocks or bonds may also be used as eligible collateral. Collateral must be held in individual name(s) or in the name of an approved trust. Collateral cannot be held in partnerships, corporations or LLCs. Concentration may impact collateral requirements. Eligible borrowers should have sufficient liquidity to accommodate margin calls should there be a substantial drop in collateral value.

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