Physician Loan and Line of Credit

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 8.25% 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 Residents, 4th year medical students who have received their residency match, and Fellows – 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. The minimum loan amount available in Oklahoma is $5,101.

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 fixed 11.45% APR and a 10-year term, your 48 monthly interest-only payments would be $48.00, followed by 72 monthly installments of $96.00.

5 Prime Rate is The Wall Street Journal Prime Rate, which was 5.00% Annual Percentage Rate (APR) as of 6/14/18. 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 8.25% APR on a 4-year line of credit, your monthly interest-only payment would be $34.88 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.

Loans Resource Center

Investment and Insurance Products:

Are Not FDIC or any other Government Agency Insured   Are Not Bank Guaranteed  May Lose Value 

© 2018 SunTrust Banks, Inc

equal housing logoSunTrust Bank is an Equal Housing Lender. Member FDIC

equal housing logoEqual Housing Lender. SunTrust Mortgage, Inc

SunTrust, SunTrust Mortgage, SunTrust PortfolioView, SunTrust Robinson Humphrey, SunTrust Premier Program, AMC Pinnacle, AMC Premier, Access 3, Signature Advantage Brokerage, Custom Choice Loan and SunTrust SummitView are federally registered service marks of SunTrust Banks, Inc. All other trademarks are the property of their respective owners.

Services provided by the following affiliates of SunTrust Banks, Inc.: Banking products and services are provided by SunTrust Bank, Member FDIC. Trust and investment management services are provided by SunTrust Bank, SunTrust Delaware Trust Company and SunTrust Banks Trust Company (Cayman) Limited. Securities, brokerage accounts and insurance (including annuities) are offered by SunTrust Investment Services, Inc., a SEC registered broker-dealer, member FINRA, SIPC, and a licensed insurance agency. Investment advisory services are offered by SunTrust Advisory Services, Inc., a SEC registered adviser. GFO Advisory Services, LLC is a SEC registered investment adviser that provides investment advisory services to a group of private investment funds and other non-investment advisory services to affiliates. Mortgage products and services are provided by SunTrust Mortgage, Inc.

SunTrust Mortgage, Inc. - NMLS #2915, 901 Semmes Avenue, Richmond, VA 23224, 1-800-634-7928. CA: licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, IL: Illinois Residential Mortgage Licensee #MB-989, Department of Financial and Professional Regulation, 100 W. Randolph, Suite 900, Chicago, IL 60601, 1-888-473-4858, MA: Mortgage Lender license #-ML-2915, NJ: Mortgage Banker License - New Jersey Department of Banking and Insurance, NY: Licensed Mortgage Banker—NYS Department of Financial Services, and RI: Rhode Island Licensed Lender.

"SunTrust Advisors" may be officers and/or associated persons of the following affiliates of SunTrust Banks, Inc.: SunTrust 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 FINRA and SIPC, 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, Business Owner Specialty Group, Sports and Entertainment Group, and Legal and Medical Specialty Groups and GenSpring are marketing names used by SunTrust Bank, SunTrust Banks Trust Company (Cayman) Limited, SunTrust Delaware Trust Company, SunTrust Investment Services, Inc., and SunTrust Advisory Services, Inc.

SunTrust Bank and its affiliates do not accept fiduciary responsibility for all banking and investment account types offered. Please consult with your SunTrust representative to determine whether SunTrust and its affiliates have agreed to accept fiduciary responsibility for your account(s) and if you have completed the documentation necessary to establish a fiduciary relationship with SunTrust Bank or an affiliate. Additional information regarding account types and important disclosures may be found at

SunTrust Robinson Humphrey is the trade name for the corporate and investment banking services of SunTrust Banks, Inc. and its subsidiaries, including SunTrust Robinson Humphrey, Inc., member FINRA and SIPC.