Personal Credit Line Plus

SunTrust and BB&T are now 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. Learn More

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

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.

  • Revolving line up to $250,000 (up to $500,000 for Private Wealth Management clients)
  • Quick and easy access to money when you need it
  • No collateral required; must meet minimum asset requirement

Apply in 4 easy steps.

  • 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.

  • Loan Processing

    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.

Find a Branch or ATM


Loans Resource Center