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Physician Loans


SunTrust recognizes the unique financial needs of our clients who are in training (residency or fellowship programs) or practice as doctors, dentists, and pharmacists in the medical field. From living expenses, taxes and equipment, to relocation costs, a SunTrust Bank Physician Loan can provide you with extra money to meet both your personal and professional needs. You can even consolidate your outstanding credit card debt, which may substantially lower your rates and monthly payments.

For doctors-in-training (in residency or in fellowship programs), newly established physicians, dentists, and pharmacists, SunTrust Bank offers an unsecured loan especially designed to meet your unique credit needs and financial circumstances.


  • Fixed or variable-rate pricing
  • Generous repayment terms
  • Interest-only payment options*
  • Loan amounts from $5,000 to $75,000, depending on your level of training or the number of years in practice
  • No application or origination fees, no prepayment penalties, no credit life insurance requirements, and no hidden charges
Learn more about our unsecured loans.
Apply Now

PCL Plus Line of Credit

In addition, for doctors-in-practice, SunTrust Bank offers PCL Plus – a line of credit designed specifically for medical professionals to help pay for the finances associated with running a practice.†


  • Variable rates
  • Line amounts from $25,000 to $75,000
  • Interest-only payments
  • No prepayment penalties

Learn more about the PCL Plus Line of Credit.

Apply Now

Medical School Students

For medical school students, SunTrust's private education loans, Academic Answer® and Custom Choice LoanSM, are excellent options to help pay for school-related expenses - everything from tuition to medical textbooks.
Learn More >>

For additional information:

*This interest-only payment option is subject to qualification. You may qualify for interest only payments up through your second year in practice. Renewal option contingent upon still being in training or initial 2 years of practice. Exclusions and limitations apply. Rates and/or program subject to change. SunTrust Physician Loans are not available in Vermont or the U.S. Territories. The maximum loan amount available in Illinois is $40,000.

†PCL Plus Line of Credit is only available in AL, AR, FL, GA, MD, MS, NC, SC, TN, VA, DC, and WV.

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Additional Information

Have questions? We're
available to help you.

> Call us at 800.241.6905
> Email us

Related Links

SunTrust’s Medical Specialty Group offers a team dedicated to working specifically with physicians and their practices.  It’s all they do.

> Medical Specialty Group

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