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At Suntrust Cred, we’re committed to providing exceptional customer service.
Frequently asked questions
Here you’ll find answers to the most common questions about our loan services—from eligibility and documents to repayment and rates.
We provide a wide range of financing options to meet your needs:
Home Loans – for buying, building, or renovating a property.
Vehicle Loans – for purchasing new or used cars, motorcycles, or commercial vehicles.
Personal Loans – for personal expenses like travel, weddings, or emergencies.
Business Loans – for starting, expanding, or running your business.
Educational Loans – for tuition, accommodation, and study-related costs.
You can apply online by filling out our loan application form, uploading required documents, and submitting your request. Our team will review and contact you within 24–48 hours.
Eligibility depends on the loan type, but generally you must:
Be at least 18 years old.
Have a steady income (employment or business).
Provide valid government-issued ID and proof of address.
Have a reasonable credit score/history (though some loans may allow flexible options).
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Home Loan: ID proof, address proof, income proof, property documents.
Vehicle Loan: ID proof, address proof, income proof, proforma invoice of vehicle.
Personal Loan: ID proof, address proof, income proof, recent bank statements.
Business Loan: Business registration, tax returns, financial statements.
Educational Loan: Admission letter, fee structure, guarantor documents (if required).
- Home Loans: Up to 25–30 years
Vehicle Loans: 1 – 7 years
Personal Loans: 1 – 7 years
Business Loans: 1 – 10 years
Educational Loans: 5 – 15 years (with grace period during study in some cases)
- Instant to 48 hours for personal, vehicle, and small business loans (if documents are complete).
5–10 working days for home and educational loans (due to verification steps).