SunTrust's Access 3 equity loan offers three repayment options. It can work like a revolving line of credit, with minimum monthly payments each month on any amount you've used. Or you can pay just the interest during the time period that you can access funds from the line, and start paying off the principal amount afterwards. Or you can choose a fixed rate/fixed term repayment option, which can be used for an advance of a specific amount (you repay it with a fixed interest rate and term). You can access your available credit anytime through convenience checks, an Access 3 Equity Line Visa Card, or online banking.