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Santander
Personal Loans

From consolidating debt to funding home improvements, we can help you make the most out of your loan with flexible terms and rates that work for you.
Check your rate with no impact to your credit score.
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Rates as low as 6.99%*

There are no fees* to apply or close. Plus you can easily apply in less than 5 minutes.

Same-day funding

Most loans fund within 2 business days.

Personal Loan features & benefits

Talk to a Specialist at 833-SAN-LOAN
8 a.m. – 5 p.m. Eastern Time, Mon-Fri

On-the-spot pre-qualification


Check your rate and available loan amount in less than 5 minutes with no impact to your credit score

Flexible terms


Loans from $5,000–$50,000 with flexible terms from 3–7 years for monthly payments that fit your budget

No fees


  • No origination fees
  • No closing fee 
  • No prepayment penalties

Rate discount


Save 0.25% on your rate when you set up automatic payments from any deposit account
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We’ll take care of your needs

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Consolidate credit card debt and other types of debt in days

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Highlights title

Remodel your home, make home repairs, or pay for moving costs

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Cover emergencies or unexpected medical costs 

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Fund major expenses like a wedding or vacation

See how we compare

 
Filter Products
 

Santander

Lending Club

Prosper

Citibank

Origination fees
$0
3%-6%
2.41% - 5%
$0
Flexible terms
36-84 months
36 - 60 Months
36 - 60 Months
12 - 60 Months
Loan amounts
$5k-$50k
$1K - $40K
$2K - $40K
$2K - $30K
Funds deposited same-day
 Yes 
 Yes 
 Yes 
 No 
Rates (APR)
6.99% - 24.99%
7.04% - 35.89%
7.95% - 35.99%
7.99% - 23.99%
Open account comparison
This comparison is based on competitor information that was publicly available as of 03/01/2022. Competitor information is subject to change without notice.

Apply now with EZApply

Start our online application to check your rate.  There's no impact to your credit score and no commitment necessary.

01 Check your rate  02 Easily apply online  03 E-sign and get your funds
Talk to a Specialist at 833-SAN-LOAN
8 a.m - 5 p.m Eastern Time, Mon-Fri

Apply now with EZApply

Start our online application to check your rate.  There's no impact to your credit score and no commitment necessary.

01 Check your rate 
02 Easily apply online 
03 E-sign and get your funds
Talk to a Specialist at833-SAN-LOAN
8 a.m - 5 p.m Eastern Time, Mon-Fri
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The fast and simple way to get a Personal Loan

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Meet Sophia
Sophia wants to consolidate her debt at a lower interest rate to save money. Learn how she uses EZApply to get a Santander Personal Loan quickly and easily.
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Sophia’s goals

Finances have become complicated. Sophia is juggling multiple credit card payments and is looking for a way to consolidate her debt into one low-rate payment.

How we can help

By entering a few details into EZApply, she can:

 Check her rate with no impact to her credit score.

 Apply and get approved on the spot. 

 Pay off debt directly upon approval. 

 Receive remaining funds in her account within one day.

Monthly loan payment examples

With our best rate of 6.99% APR*

Personal Loan Amount 3 years 5 Years 7 Years
$5,000 $154.36 $98.98 $75.44
$10,000 $308.73 $197.96 $150.88
$20,000 $617.45 $395.93 $301.76
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 credit worthiness. 

Leading the way in America and around the world

For over 160 years, Santander Group has been helping clients prosper around the world. Today, Santander Group is one of the best capitalized banking institutions in the world with US $1.4 trillion in total assets under management. Santander Bank, N.A. is one of the largest retail and commercial banks in the U.S. Our growing network and globally connected roots are leading the way in financial services.
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FAQs: Personal Loans

Personal Loans are unsecured and do not require collateral like your home or other assets. How much you’re able to borrow will largely depend on your credit history and not your home’s equity or any other assets. When you are approved for a personal loan, you receive the funds in one lump sum and your interest rates are fixed for the life of the loan, resulting in a predictable monthly payment. 


*Rates and Terms: Personal Loans are subject to individual approval and meeting our credit standards. Your primary residence must be located in MA, RI, CT, NH, NJ, PA, NY, DE, ME, VT, FL, MD, DC, GA, CA, AZ, TX, IL, OH, MI, or NC. The fixed loan Annual Percentage Rate (APR) will depend on your creditworthiness and use of automatic payments (ePay) from any deposit account. The APR on a Personal Loan will increase by 0.25 percentage points and the payment will increase, if ePayis not elected or is discontinued. Fixed loan APRs (with ePay) range from 6.99% to 24.99%. Loan amounts range from $5,000 to $50,000. Loan repayment terms range from 36 months to 84 months. APRs and other terms are accurate as of  and are subject to change without notice. Personal Loans cannot be used to finance post-secondary educational expenses.

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.

Santander Bank, N.A. is a Member FDIC and a wholly owned subsidiary of Banco Santander, S.A. © Santander Bank, N.A. All rights reserved. Santander, Santander Bank and the Flame logo are trademarks of Banco Santander, S.A. or its subsidiaries in the United States or other countries. All other trademarks are the property of their owners.