Last Updated: 04/18/2025
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Highlights
Community Rating
Strongly recommended
Amount Range
$25,000 - $5,000,000
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APR (Variable APR)
5.75% - 24%(Verified 06/21/2024)
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Number of Reviews
SunTrust Select Credit Line Review
SunTrust Select Credit Line is offered through SunTrust Bank, a bank founded in 1865 and based in Atlanta, GA. Suntrust personal line of credit are available in 50 states and Washington, DC.
SunTrust Select Credit Line FAQ
What APRs does SunTrust Select Credit Line offer?
SunTrust Select Credit Line offers a variable APR that ranges from 5.75% APR up to 24% APR. Rate is quoted with autopay discount*.
Does the SunTrust Select Credit Line charge an origination fee?
No, SunTrust Select Credit Line 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 the SunTrust Select Credit Line charge a cash advance fee?
No, SunTrust Select Credit Line 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 Typically, fees range from 0.5% to 10% of the amount withdrawn.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 Select Credit Line charge a late fee?
Yes, SunTrust Select Credit Line may charge borrowers a late payment fee .How much can you borrow via SunTrust Select Credit Line?
Upon approval and based on your credit worthiness, your SunTrust Select Credit Line personal line of credit will be assigned a credit limit of at least $25,000 and as much as $5,000,000. .
| 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 Select Credit Line?
Applicants with a credit score of at least 600 and up to 850 may be eligible for SunTrust Select Credit Line. SunTrust Select Credit Line does not have or does not disclose a minimum annual income eligibility requirement.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by SunTrust Select Credit Line.
To qualify, applicants may need to provide the following documentation:
- Proof of income
- Driver's license or other government photo ID
- Proof of identity
Does SunTrust Select Credit Line report your account activity to credit bureaus?
Yes, SunTrust Select Credit Line reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does SunTrust Bank perform a hard credit pull?
Yes, Suntrust personal line of credit performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for SunTrust Select Credit Line
- Visit the SunTrust Select Credit Line 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 Select Credit Line Disclosure: Subject to credit approval, eligibility and credit qualifications.
1 Some restrictions on the use of Select Credit Line loan proceeds may apply under the loan documents and applicable laws and regulations.
2 To be a Premier client, you must maintain $100,000 or more in deposits or eligible investable assets with SunTrust Bank or SunTrust Investment Services "STIS".
3 Collateral must be held in individual name(s) or in the name of an approved trust. Stock concentration in an account may impact collateral eligibility. Eligible borrowers should have sufficient liquidity to accommodate margin calls should there be a substantial drop in collateral value.
4 Making only the minimum payment due each due date will not reduce your principal balance on this line. Full balance owed is due at maturity.
5 Select 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 12/20/18. 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 APR is variable and will change as the index increases or decreases. Borrower must provide a Personal Financial Statement and last two years of K-1s.
6 A 0.25% interest rate reduction off the standard rate is provided if payment is automatically deducted from a 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 automatic payment 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.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
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Other Personal Lines of Credit from SunTrust Bank
Amount Range
$25K - $500K
APR
8.65% - 24%
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SuperMoney users strongly recommend this product, giving it a user recommendation score of +100, or 5 on a 5-point rating scale.
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SunTrust Select Credit Line Community Reviews
Would you recommend SunTrust Select Credit Line to your friends?
WB
Willie B.
Nov 1, 2023
May or may not recommend
Best rates out there. Easy application should help lots of people.
JV
Joseph V.
Oct 4, 2023
May or may not recommend
Get your loans quickly by given the SunTrust a chance.
TP
Tommy P.
May 10, 2023
May or may not recommend
I borrowed 10,000 dollars from you in 1987 and would borrow some more if I could
Josh D.
Dec 6, 2022
May or may not recommend
Deffently Great like usual as they always normally are dont you think
WE
Wanda E.
Sep 15, 2019
May or may not recommend
Ive read thing about creit but some things are wrong
SP
Stevenson P.
May 30, 2019
May or may not recommend
Great job with everything next loan is going to be even better
Showing 6 of 6 reviews