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Personal Loans

You’re building a life of prosperity and planning for the future. From consolidating debt to funding home improvements, a personal loan can help you realize your vision.

Won’t impact your credit prior to application.
Rates as low as 7.99%*

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

Pre-qualification with no impact to your credit

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

Personal Loan features & benefits

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

Won't affect your credit

Apply online in minutes.

Same-day funding is available.

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
a family of 2 dads and their daughters in the kitchen
a family of 2 dads and their daughters in the kitchen

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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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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See how we compare

Filter Products


Lending Club

Best Egg


Origination fees


0.99% - 8.99%
Flexible terms

36 - 84 months

24 - 60 Months
36 - 60 Months
12 - 60 Months
Loan amounts
$5k - $50k
$1K - $40K
$2K - $50K
$2K - $30K
Funds deposited same-day
1-3 business days 
1-3 business days
Rates (APR)
7.99% - 24.99%
8.98% - 35.99%
8.99% - 35.99%
10.49% - 19.49%
Open account comparison
This comparison is based on competitor information that was publicly available as of 04/22/2024. Competitor information is subject to change without notice.

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.


Check your rate with EZApply

There is no impact to your credit score prior to application, and no commitment necessary.

01 Check your rate   
02 Easily apply online      
03 E-sign and get your funds  
Won't affect your credit
Talk to a Specialist at 833-SAN-LOAN
8 a.m - 5 p.m Eastern Time, Mon-Fri
A person checking their rate with EZApply on their mobile phone

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. 

Support resources: Personal Loans

We’ll guide you on your financial journey. 

Illustration of a man sitting at his desk reviewing his finances using the Santander Mobile Banking App

How do I use a personal loan to consolidate debt?

If you’re looking to reduce monthly payments, a personal loan might be the answer.

Read more

How long does it take to get a personal loan?

A simple online application and available same day funding† can help make your plans a reality.

Read more

How do I pay off a loan early?

If you’d like to pay down your personal loan more quickly, there are different ways to do this.

Read more

Find Us
Branches across the Northeast and in Miami, Florida, plus 2,000+ ATMs.
Map of the Northeast and Miami showing Santander branch locations.

Are you a Santander Client

Log in to Online Banking for a more seamless experience.

*Rates and Terms: Personal Loans are subject to individual approval and meeting our credit standards. Your primary residence must be located in AZ, CA, CT, CO, DC, DE, FL, GA, IL, IN, MA, MD, ME, MI, MN, MO, NC, NJ, NH, NY, OH, OR, PA, RI, TN, TX, VA, VT, or WA. 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 ePay is not elected or is discontinued. Fixed loan APRs (with ePay) range from 7.99% to 24.99% and are subject to change without notice. Loan amounts range from $5,000 to $50,000. Loan repayment terms range from 36 months to 84 months. All terms are subject to change without notice. Personal Loans cannot be used to finance post-secondary educational expenses.

Personal Loan Monthly Payment Example: For a personal loan of $20,000 with a 60-month term at 15.49% APR, the monthly payment amount is approximately $480.96 to repay your loan in 60 payments. This example is an estimate only and assumes all payments are made on time.

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.