Both institutions will continue to offer independent product lines for a period of time. This may include differing underwriting guidelines, product features, terms, fees and pricing. Learn More
Be confident and in control with a low-rate, unsecured line of credit. The Personal Credit Line Plus lets you access the money you need only when you need it.
|What can you use this Line of Credit for?||This line of credit can be used for a variety of borrowing needs such as college tuition, home improvements, large expenses or for consolidating debt.4|
|Line of Credit Amount||$25,000 to $250,000; up to $500,000 for Private Wealth Management clients|
|Interest Rate||Variable interest rates as low as Prime + 1.74% (currently 6.49% APR2) with a 0.25% interest rate reduction for a recurring automatic payment from a SunTrust Bank account3.|
|Line Term||Terms up to 4 years|
|How to Apply||Apply online, in a SunTrust Branch, or call 800.279.4824|
|Fees||No application or annual fees2|
|Unsecured vs. Secured||Unsecured.|
|Qualifications||Verifiable eligible investable assets of $100,000 or more required to show liquidity1|
|What can you use this Line of Credit for?|
|This line of credit can be used for a variety of borrowing needs such as college tuition, home improvements, large expenses or for consolidating debt.4|
|Line of Credit Amount|
|$25,000 to $250,000; up to $500,000 for Private Wealth Management clients|
|Variable interest rates as low as Prime + 1.74% (currently 6.49% APR2) with a 0.25% interest rate reduction for a recurring automatic payment from a SunTrust Bank account3.|
|Terms up to 4 years|
|How to Apply|
|Apply online, in a SunTrust Branch, or call 800.279.4824|
|No application or annual fees2|
|Unsecured vs. Secured|
|Verifiable eligible investable assets of $100,000 or more required to show liquidity1|
Apply Online, by Phone or in a Branch
Apply in less than 15 minutes.
Preliminary Loan Decision
If approved, a SunTrust representative will contact you within 24 hours to discuss the details and documents required.
SunTrust reviews your submitted documents, and will contact you with any additional questions.
Final Decision & Loan Closing
Review the final approved terms and schedule a convenient time and day to sign the loan documents in a branch.
Important Information About These Products
Subject to credit approval, eligibility and credit qualifications.
1 To qualify for this line, applicants must have $100,000 in combined certificates of deposit, savings, brokerage accounts and/or investment accounts at SunTrust or another financial institution. Retirement assets, annuities, and checking accounts are not viable assets. If you have additional questions, call 800.279.4824 or visit your local SunTrust branch.
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 4.75% on 10/31/19. For a Personal Credit Line Plus, standard APRs could range from Prime + 1.99% (currently 6.74% APR) to Prime + 4.49% (currently 9.24% APR) and are based on your credit line amount and creditworthiness. The maximum APR for loans in AL, AR, DC, GA, MD, and VA is 24%. The maximum APR for loans in TN is 21%. The maximum APR for loans in FL, MS, NC, SC and WV is 18%.
3 A 0.25% interest rate reduction off the standard rate is provided if payment is automatically deducted from a qualifying SunTrust checking, savings or money market account using a recurring, automatic payment. All loan and line discount offers are subject to change. Relationship pricing and ACH discounts are not available on existing consumer loans or lines of credit. Relationship pricing discounts may not be applicable for all products. Consult your banker for details.
4 Funds from the line cannot be used to purchase stocks, bonds or other securities OR to pay off a loan used for that purpose.
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SunTrust Bank, now Truist Bank, Member FDIC. ©2020 Truist Financial Corporation. SunTrust®, the SunTrust logo, and Truist are service marks of Truist Financial Corporation. All rights reserved.
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Investment and Insurance Products:
Are Not FDIC or any other Government Agency Insured Are Not Bank Guaranteed May Lose Value
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Truist, SunTrust®, SunTrust PortfolioView, SunTrust Robinson Humphrey®, SunTrust Premier Program®, AMC Pinnacle®, AMC Premier®, Access 3®, Signature Advantage Brokerage, Custom Choice Loan®, SunTrust SummitView®, LightStream®, GFO Advisory Services®, BB&T®, BB&T Securities®, BB&T Sterling Advisors, Sterling Capital®, BB&T Investments, and BB&T Scott & Stringfellow® are service marks of Truist Financial Corporation. All rights reserved. All other trademarks are the property of their respective owners.
Services provided by the following affiliates of Truist Financial Corporation: Banking products and services, including loans and deposit accounts, are provided by SunTrust Bank and Branch Banking and Trust Company, both now Truist Bank, Member FDIC. Trust and investment management services are provided by SunTrust Bank and Branch Banking and Trust Company, both now Truist Bank, and SunTrust Delaware Trust Company. Securities, brokerage accounts and /or insurance (including annuities) are offered by SunTrust Investment Services, Inc. and BB&T Securities, LLC, P.J. Robb Variable Corp., and Precept Advisory Group, LLC, which are SEC registered broker-dealers, members FINRALink opens a new window, SIPCLink opens a new window, and a licensed insurance agency where applicable. Investment advisory services are offered by SunTrust Advisory Services, Inc., GFO Advisory Services, LLC, BB&T Securities, LLC, Sterling Capital Management, LLC, and BB&T Institutional Investment Advisors, Inc., each SEC registered investment advisers. BB&T Sterling Advisors, BB&T Investments and BB&T Scott & Stringfellow, are divisions of BB&T Securities, LLC. Mutual fund products are advised by Sterling Capital Management, LLC. Mortgage products and services are offered through SunTrust Mortgage, a tradename for SunTrust Bank now Truist Bank.
"SunTrust Advisors" may be officers and/or associated persons of the following affiliates of Truist Financial Corporation: SunTrust Bank now Truist Bank, our commercial bank, which provides banking, trust and asset management services; SunTrust Investment Services, Inc., a registered broker-dealer, which is a member of FINRALink opens a new window and SIPCLink opens a new window, and a licensed insurance agency, and which provides securities, annuities and life insurance products; SunTrust Advisory Services, Inc., a SEC registered investment adviser which provides Investment Advisory services.
SunTrust Private Wealth Management, International Wealth Management, GenSpring, Business Owner Specialty Group, Sports and Entertainment Group, and Legal and Medical Specialty Groups are marketing names used by SunTrust Bank now Truist Bank, SunTrust Investment Services, Inc., and SunTrust Advisory Services, Inc.
SunTrust Robinson Humphrey is the trade name for the corporate and investment banking services of Truist Financial Corporation and its subsidiaries, including SunTrust Robinson Humphrey, Inc., member FINRALink opens a new window and SIPCLink opens a new window.
Thank you for choosing SunTrust now Truist. We welcome the opportunity to serve your financial needs. While SunTrust and BB&T have merged to become Truist, both institutions will continue to offer independent product lines for a period of time. This may include differing underwriting guidelines, product features, terms, fees, and pricing.
Our friendly teammates at your local BB&T branches will be happy to walk you through their products. You can also learn more by contacting them at 1-800-BANK-BBT or BBT.com.