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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 can you use this line of credit for?
  • Line of Credit Amount
  • Interest Rate
  • Line Term
  • Application Process
  • Fees
  • Unsecured vs. Secured
  • Personal Credit Line Plus

    When you need a higher line of credit at a lower rate than a credit card, use the SunTrust Personal Credit Line Plus.

  • Can be used for multiple expenses such as college tuition, large purchases or home improvements
  • $25,000 to $500,000
  • Variable rate; lower than many credit card rates
  • Revolving credit line with access to funds up to four years1
  • Apply online, in a SunTrust Branch, or call 800.279.4824
  • No application, cash advance or annual fees2
  • Unsecured. No collateral required; however, verifiable assets of $100,000 or more held with SunTrust Bank or other financial institutions are required3.

  • Select Credit Line

    Avoid liquidating your savings with a Select Credit Line to cover unexpected opportunities or expenses.

  • Can be used for any large expense or opportunity that may arise.
  • $25,000 to $5,000,000
  • Variable rate; comparable to an equity line rate
  • Revolving credit line with access to funds up to four years1
  • Apply online, in a SunTrust Branch, or call 800.279.4824
  • No application, cash advance or annual fees2
  • Secured. A SunTrust Savings account, Certificate of Deposit, or a SunTrust Investment Services Brokerage Account is required collateral4.

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

Important Information About These Products

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 3.75% on 12/15/2016. For a Personal Credit Line Plus, standard APRs could range from Prime + 3.15% (currently 6.90% APR) to Prime + 3.95% (currently 7.70% 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 4.25% APR) to Prime + 0.95% (currently 4.70% 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 SunTrust Bank is required as collateral. Client may choose only one eligible SunTrust account as 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. A higher level of assets will be required for large line amounts.

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