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Get the extra funds you need to cover what's next.

When you find yourself with an unexpected expense or opportunity, SunTrust can help with a Personal Line of Credit that offers funds for borrowers with $100,000 or more in verifiable eligible assets. It's unsecured, so there's no need to liquidate assets or use your home equity as collateral for a line of credit. Borrow what you need, when you need it, up to $500,0001.

  • Unsecured credit line from $25,000 to $500,000
  • Access to funds with no collateral required
  • Revolving line of credit with terms up to four years.
  • What can you use this Line of Credit for?
  • Line of Credit Amount
  • Interest Rate
  • Line Term
  • How to Apply
  • Fees
  • Unsecured vs. Secured
  • 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.
  • $25,000 to $500,000
  • Variable interest rates as low as Prime + 2.90% (currently 7.15% APR2) with a 0.25% interest rate reduction for a recurring automatic payment from a SunTrust Bank account3.
  • Terms up to 4 years
  • Apply online, by phone or in branch
  • No application or annual fees2
  • Unsecured. Verification of $100,000 or more in eligible investible assets held with SunTrust or another financial institution is required1.

Apply in 4 easy steps.

  • Step 1

    Apply Online, by Phone or in a Branch

    Apply in less than 15 minutes.

  • Step 2

    Preliminary Loan Decision

    If approved, a SunTrust representative will contact you within 24 hours to discuss the details and documents required.

  • Step 3

    Loan Processing

    SunTrust reviews your submitted documents, and will contact you with any additional questions.

  • Step 4

    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

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

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 4.25% on 6/15/2017. For a Personal Credit Line Plus, standard APRs could range from Prime + 3.15% (currently 7.40% APR) to Prime + 3.95% (currently 8.20% 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 4.75% APR) to Prime + 0.95% (currently 5.20% 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 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.

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