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Starting out or advancing your career, our Physician Loans and Lines of Credit are perfect for your changing needs.

Whether you are a first year resident or starting your own practice, you may need help balancing your personal finances. As a physician, we know you have a lot to juggle, like medical school debt, demanding hours, relocation, and other life expenses. Our Physician Loan and Line of Credit are designed to match your unique needs and schedule.

Physician Loan
Loans are designed to help offset personal expenses while you are beginning your medical or dental career.
  • $5,000 to $100,0001,2
  • Fixed rates as low as 7.20% APR3
  • Up to a 10-year repayment term4
Physician Line of Credit
Credit lines provide added flexibility to help new physicians cover a wide range of personal expenses.
  • $25,000 to $100,000
  • Variable interest rates as low as 7.50% APR5 (currently Prime + 3.25%)
  • Interest-only payments
  • Up to four-year repayment term6
Terms and Conditions
Read more about unique product features and borrowing qualifications.
  • Benefits available to Doctors in Training and Doctors in Practice
  • Higher loan limits based on career progression
  • Monthly payment estimates

Important Information About These Products

1 Post Graduate Year (PGY) I – Up to $25,000, PGY II – Up to $30,000, PGY III – Up to $35,000, PGY IV and Fellows – Up to $40,000, Final year of Training and Employment Commitment – Up to $50,000. Physicians and Dentist in Practice – Up to $100,000.

2 The maximum loan amount available in Illinois is $40,000. The minimum loan amount available in Massachusetts is $6,001. The minimum loan amount available in Wisconsin is $25,001.

3 Fixed Rates - In-Training: 10.45% to 15.95% APR, In-Practice: 7.20% to 13.20% APR;.

4 For example, on a $5,000 loan with variable 11.45% APR and a 10-year term, your 48 monthly interest-only payments would vary from $43.92 to $48.62, followed by 72 monthly installments of $96.35.

5 Prime Rate is The Wall Street Journal Prime Rate, which was 4.25% Annual Percentage Rate (APR) as of 10/15/17. The APR is variable, indexed to The Wall Street Journal Prime Rate plus a margin, and is subject to increase or decrease as the index increases or decreases.

6 For example, on a $5,000 draw with a variable 7.50% APR on a 4-year line of credit, your monthly interest-only payment would be $31 until the line matures. The full principal amount, as well as any unpaid, accrued interest, is due at the maturity date stated in the credit agreement.

SunTrust will never send unsolicited emails asking you to provide, update or verify personal or account information, such as passwords, Social Security numbers, PINS, credit or Debit Card numbers, or other confidential information.

Subject to standard credit approval. If you are self-employed, on commission, or a substantial portion of your income is from a source other than salary, you may need to provide us a copy of your last two years' Federal tax returns. Exclusions and limitations apply. Rates and/or program subject to change without notice.

Relationship pricing and ACH discounts are not available on loans or lines of credit offered through SunTrust's Physician Lending group.

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