SunTrust Bank

in Personal Lines of Credit

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SunTrust Bank


in Personal Lines of Credit

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Where does SunTrust Bank do business?

SunTrust Bank is a bank based in Atlanta, GA. It was founded in 1865 and offers personal lines of credit in 10 states (and Washington, DC).

What are the APRs offered via SunTrust Bank?

SunTrust Bank offers a variable APR personal line of credit that ranges from 7.9% up to 24%.

Does SunTrust Bank charge an origination fee?

No, SunTrust Bank does not charge an origination fee.

An origination fee is what some lenders charge for processing, underwriting, and funding a line of credit. These fees can range from 0.5% to 5% of the line of credit amount. Whenever possible, go with lenders that don’t charge origination fees.

Does SunTrust Bank charge a cash advance fee?

No, SunTrust Bank doesn't charge a cash advance fee. Some lenders charge a cash advance fee every time borrowers withdraw cash from their line of credit. Typically, fees range from 0.5% to 10% of the amount withdrawn..

Does SunTrust Bank charge a late fee?

Yes, SunTrust Bank may charge borrowers a late payment fee.

Does SunTrust Bank charge prepayment fees?

No, SunTrust Bank does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the line of credit off and close the account.

How much can you borrow via SunTrust Bank?

Personal lines of credit start at $25 and go up to $500.

What do you need to qualify for a line of credit with SunTrust Bank?

Applicants with a credit score of at least 500 can apply for a line of credit via SunTrust Bank. The minimum age to apply for a line of credit is 18 or the state minimum, whichever is higher.

SunTrust Bank only considers borrowers who are employed.

Active duty servicemembers and their covered dependents cannot apply for a line of credit via SunTrust Bank. The Military Lending Act prohibits lenders from charging servicemembers more than a 36% APR.

Only U.S. citizens and permanent residents can apply for a line of credit.

To qualify, applicants may need to provide the following documentation:

  • Driver's license
  • Proof of identity
  • Proof of citizenship or residence permit
  • Proof of income

What is the estimated funding time for a personal line of credit via SunTrust Bank?

SunTrust Bank will typically approve (or deny) a line of credit application within 48 hours and fund personal lines of credit within 7 business days of approval.

Does SunTrust Bank report payments to credit bureaus?

SunTrust Bank may report credit data to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion
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  Available in 10 states and Washington, D.C.
  • Alabama
  • Arkansas
  • Washington, DC
  • Florida
  • Georgia
  • Maryland
  • Mississippi
  • North Carolina
  • South Carolina
  • Virginia
  • West Virginia

Feature Breakdown

No Origination Fee  
No Prepayment Fee  
Minimum Age 18
Credit Score Range 500 - 850
850 300 500
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Retired
  • Self-Employed
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Verification Documents Required
  • Proof of Identity
  • Proof of Income
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
Loan Amount $25 - $500
APR (Variable APR) 7.9% - 24%

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