SunTrust Select Credit Line
SunTrust Select Credit Line Unaffiliated

SunTrust Select Credit Line

Net Recommendation Score +100  


This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.


Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Rating not yet determined  

2 users recommend
0 users are unsure
0 users don't recommend
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Loan Amount $25,000 - $5,000,000
APR  (Variable APR) 5.75% - 24%

SunTrust Select Credit Line Review

SunTrust Select Credit Line is offered by SunTrust Bank, a bank founded in 1865 and based in Atlanta, GA. SunTrust Select Credit Line is available in 50 states (and Washington, DC).

Suntrust personal line of credit FAQ

What APRs does SunTrust Select Credit Line offer?

SunTrust Select Credit Line offers a variable APR product that ranges from 5.75% APR up to 24% APR. Rate is quoted with autopay discount*.

Does Suntrust personal line of credit charge an origination fee?

No, they do 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 personal line of credit charge a cash advance fee?

No, they do not 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 Typically, fees range from 0.5% to 10% of the amount withdrawn.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 the SunTrust Select Credit Line charge a statement balance fee?

No, this lender does not charge a statement balance fee.

Does SunTrust Select Credit Line charge a late fee?

Yes, they may charge borrowers a late payment fee.

How much can you borrow via Suntrust personal line of credit?

Upon approval and based on your credit score and credit history, your personal line of credit will be assigned a credit limit of at least $25,000 and as much as $5,000,000. .

SunTrust Select Credit Line Fees
Cash Advance Fee N/A
Origination Fee No
Prepayment Fee? No
Late Payment Fee No
Statement Balance Fee 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. SunTrust Select Credit Line only considers borrowers who are employed.

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. Active duty service members and their covered dependents are eligible to apply for a loan via SunTrust Select Credit Line. Their rates fall within the limits of The Military Lending Act.

U.S. citizens are, of course, eligible for the services offered by SunTrust Select Credit Line. Permanent resident / green card holders are also eligible to apply.

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

  • Proof of income
  • Driver's license
  • Proof of identity

Does SunTrust Select Credit Line report your account activity to credit bureaus?

Yes, SunTrust Select Credit Line reports your account activity to the following credit reporting agencies:

  • 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 improve your credit.

Is SunTrust Bank a legit company?

SunTrust Bank was founded in 1865, it is a well-established company that has been in business for 157 years.

Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.

How to apply for Suntrust personal line of credit

  • Visit the 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: 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.

Message From SunTrust Bank

Are you ready for unexpected opportunities or expenses? A Select Credit Line can help you be financially prepared.


  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Annual Fee $0
No Origination Fee
No Prepayment Fee
Credit Score Range 600 - 850
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Joint Loan Applications Accepted
  • Individual Applications
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of Income
  • Proof of Identity
Approval Speed 48 hours
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Payment Options
  • Automatic Payments
  • Check by mail
  • Credit/Debit Card
APR (Variable APR) 5.75% - 24%
APR Type Variable APR
Loan Amount $25,000 - $5,000,000

SunTrust Select Credit Line Community Reviews


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This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.


Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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