Personal Loans and
Lines of Credit
Manage expenses such as education, home remodeling, automobile purchasing or debt consolidation with a personal loan or line of credit from BB&T. We offer competitive rates with a variety of flexible collateral options.
Using Financial Leverage Strategically
From the pages of BB&T Wealth magazine, Ryan E. Berry of BB&T discusses the concept of debt as a strategic tool which, when properly leveraged, can greatly enhance your monetary returns.
Securities-Secured Line of Credit
Use the equity in your securities investments while keeping your portfolio intact. A securities-secured line of credit lets you borrow money using your BB&T or BB&T affiliate securities accounts as collateral. Additional advantages include:
- Easy access to funds via check, fund transfer or wire transfer
- Potential deferment of capital gains taxes on your securities investments
- Flexibility to use your line of credit for a variety of purposes
- Potential tax advantages related to interest expense
- Low cost to initiate
CD-or Savings-Secured Loans and Lines of Credit
Use the value of your BB&T certificate of deposit (CD) or savings account to secure a loan. Advantages include:
- Fixed or variable rates and flexible repayment options
- The option to use your own money as collateral
- Lower annual percentage rates than conventional loans
Luxury Lending
Whether you intend to buy, upgrade or refinance a personal aircraft or watercraft, your BB&T advisor will work with you to facilitate the entire process.
Personal Aircraft Financing
- New or used aircraft
- Competitive rates and terms
- No prepayment penalty
Marine and Watercraft Financing
- New or used watercraft
- Competitive rates and terms
- No prepayment penalty
Contact an advisor or call us at 800-388-3085 to learn more.
Unsecured Loans and Lines of Credit
For qualified clients, unsecured loans and lines of credit from BB&T come with a variable interest rate and the flexibility and convenience associated with a revolving line of credit. In addition to checks, you'll have quick and easy access to your account through ATMs, Phone24, and BB&T Online. Advantages include:
- No collateral required
- Flexible repayment options
Vehicle Loans
Before you purchase your next vehicle, consider the variety of financing options available to you as a BB&T Wealth client. Advantages include:
- Highly competitive rates
- Flexible repayment options
- More buying power—with financing already secured, you’ll have more negotiating leverage with the dealership
Which Personal Loan or Line of Credit is Right for You?
Your BB&T Wealth advisor will carefully consider your entire financial situation and work with you to find the best available lending solution.
Contact an advisor or call us at 800-388-3085.
