Personal Loans - Santander
Consolidate debt or fund the unexpected, with a payment you can afford.
Loan amounts from $5,000 to $50,000 and payment terms from 3-7 years.
Debt consolidation
Pay off higher-interest-rate credit card debt at a better rate. Consolidate and save.
Emergency repairs
Whether it’s new tires, brakes, or both. Get what you need to be safe and sound.
Home improvements
Make the upgrades and major purchases that make your home your own.
Now with EZApply — The fastest and simplest way to apply and close on a Santander Personal Loan.
Compare sample monthly loan payments.
Personal Loan, with a 84-month term, and our best rate of 6.99% APR:1
| Monthly Payment | ||
|---|---|---|
| Amount | Personal Loan | Credit card at 16.13% APR2 |
| $5,000 | $75.44 | $99.68 |
| $10,000 | $150.88 | $199.36 |
| $20,000 | $301.76 | $398.72 |
That’s potentially thousands in savings over the life of the loan!
Please note that this comparison assumes you qualify for a loan with an Annual Percentage Rate (APR) of 6.99%. Fixed loan APRs (with ePay) range from 6.99% to 24.99%, depending on your creditworthiness.
Check your rate with no impact to your credit score.
Bank how and when you like.
Over 500 branches and more than 2,000 Santander ATMs across the Northeast and Florida, including in many CVS Pharmacy® locations. Also, with Santander Online Banking and our Mobile Banking App, you can bank digitally and securely anywhere, any time.
Founded in Spain more than 150 years ago, Banco Santander is one of the largest and most respected financial institutions in the world. Here in the U.S., Santander Bank, N.A. is proud to be a federally chartered national bank and a member FDIC.
With checking, savings, money market accounts, credit cards, mortgages, home equity lines of credit, personal loans and lines of credit, small business banking, and investment guidance, we’re here to help get you where you want to be—financially.
We’re here to listen and help you make sense of your options so you can choose the accounts and services that fit your life. We want you to prosper. That's why we treat you and your money with respect.
Branch Locator
For general Personal Loan or Personal Line of Credit questions, call 877-726-0838.
*Based on the time your application is received, same-day funding is available in many cases, depending on your creditworthiness and the funding instructions you provide.
1Rates: 1Rates: To get a Personal Loan (“Loan”) with the Annual Percentage Rate (APR) and/or the maximum term shown, you must reside in MA, MD, RI, CT, NH, NJ, PA, NY, DE, ME, VT, FL or DC, meet our credit standards, and use automatic payments ( ePay ) from any deposit account. Fixed loan APRs (with ePay ) range from 6.99% to a maximum 24.99% depending on your creditworthiness. The minimum loan amount is $5,000 and the maximum is $50,000. The minimum loan term is 36 months and the maximum loan term is 84 months. The APR on the loan will increase by 0.25 percentage points and the payment will increase, if ePay is not elected or is discontinued. APRs and other terms are accurate as of , and may change thereafter. Personal Loans cannot be used to finance post secondary educational expenses. Loan accounts are subject to approval.Personal Loan Monthly Payment Example
Monthly payments on a Santander Personal Loan with a 84-month term and our best rate of 6.99% APR.1
| Amount | $5,000 | $10,000 | $20,000 |
| Monthly Payment | $75.44 | $150.88 | $301.76 |
2National Average APR for a credit card as of 05/27/2021 (source: https://www.bankrate.com/calculators/credit-cards/credit-card-minimum-payment.aspx). Estimated using a credit card monthly payment, based on 3.00 % of outstanding balance, with a minimum of $15 (source: bankrate.com/calculators/credit-cards/credit-card minimum-payment).
