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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. 
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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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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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Fund major expenses like a wedding or vacation

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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.

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. 

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

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

What to use a Personal Loan for

Find out some of the most common ways people use a personal loan to determine if it aligns with your needs.

Read more

How to pay off a loan early

Hoping to pay down your loan more quickly? Follow these steps if you’re planning to pay off your loan before it’s due.

Read more

Personal Loan vs. HELOC

Weighing the benefits of a Home Equity Line of Credit vs. a Personal Loan.

Read more

Find Us
Branches across the Northeast and in Miami, Florida, plus 2,000+ ATMs.
 

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 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.