Last Updated: 04/18/2025
SunTrust Personal Credit Line Plus
Unaffiliated
Last Updated: 04/18/2025
SuperMoney User Recommendation Score +44
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SunTrust Personal Credit Line Plus Review
SunTrust Personal Credit Line Plus FAQ
What APRs does SunTrust Personal Credit Line Plus offer?
Does the SunTrust Personal Credit Line Plus charge an origination fee?
Does the SunTrust Personal Credit Line Plus charge a cash advance fee?
Does SunTrust Personal Credit Line Plus charge a late fee?
Yes, SunTrust Personal Credit Line Plus may charge borrowers a late payment fee .How much can you borrow via SunTrust Personal Credit Line Plus?
| Cash Advance Fee | N/A |
| Origination Fee | No |
| Prepayment Fee? | No |
| Late Payment Fee | No |
| Statement Balance Fee | No |
| Billing Cycle Charge | No |
What do you need to qualify for SunTrust Personal Credit Line Plus?
Applicants with a credit score of at least 600 and up to 850 may be eligible for SunTrust Personal Credit Line Plus. The minimum age to be eligible is 18 or the state minimum, whichever is higher.- Proof of income
- Driver's license or other government photo ID
- Proof of identity
- Proof of citizenship or residence permit
What is the estimated funding time for a personal line of credit via SunTrust Personal Credit Line Plus?
SunTrust Personal Credit Line Plus will typically fund personal lines of credit within 7 business day s of approval.Does SunTrust Personal Credit Line Plus report your account activity to credit bureaus?
- Equifax
- Experian
- TransUnion
Does SunTrust Bank perform a hard credit pull?
How to apply for SunTrust Personal Credit Line Plus
- Visit the SunTrust Personal Credit Line Plus website.
- Fill in the application form. You will typically need to provide general information such as your name, address, email address, Social Security Number, source of income and employment, and checking account information.
- Check the information is accurate and submit your application.
SunTrust Personal Credit Line Plus Disclosure: Subject to credit approval, eligibility and credit qualifications. 1 To qualify for this line, $100,000 or more in verifiable eligible investable assets held with SunTrust Bank or other financial institutions are required. 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 5.50% on 12/20/2018. For a Personal Credit Line Plus, standard APRs could range from Prime + 3.15% (currently 8.65% APR) to Prime + 3.95% (currently 9.45% APR) and are based on your credit line amount and creditworthiness. For a Select Credit Line, standard APRs could range from Prime + 0.50% (currently 6.00% APR) to Prime + 0.95% (currently 6.45% APR) and are based on your credit line amount and creditworthiness. The maximum APR for loans in AL, AR, DC, GA, MD, SC and VA is 24%. The maximum APR for loans in TN is 21%. The maximum APR for loans in FL, MS, NC 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.
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