
Santander Personal Loans | Santander Bank - Santander
Santander
Personal Loans

Rates as low as 6.99%* 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 less than 5 minutes with no impact to your credit score |
Personal Loan features & benefits
Same-day funding†
Flexible terms
No fees
- No origination fees
- No closing fee
- No prepayment penalties
Rate discount


We’ll take care of your needs


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

Cover emergencies or unexpected medical costs
See how we compare
| 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% |
The fast and simple way to get a Personal Loan



Sophia’s goals
How we can help
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 |
Apply now with EZApply
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 funds8 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.
Paying interest is the cost of taking out a loan. Personal Loans have a simple, fixed interest rate on the principal of the loan.
Learn how much your monthly payments will be by checking your rate with EZapply or speaking with a Specialist at 833-SAN-LOAN. There is no impact to your credit score.
A loan is an amount of money that you borrow for a specified length of time. You receive a one-time, lump sum that is paid down through fixed monthly payments with a fixed rate for a fixed term. A line of credit is a borrowing limit extended to you. The funds are available to you up to a pre-assigned credit limit and you have the ability to reuse your line of credit as you repay. Your monthly payment will be based on the amount of the line you have outstanding.
One of the benefits is that there is no asset (car, house, etc.) acting as collateral against the borrowed funds, which simplifies the application process. Whether you need to consolidate debt, make necessary home or car repairs, purchase appliances, or pay for major expenses (weddings, vacations, etc.), your Personal Loan is there to help make your plans a reality with funds in one lump sum.
Learn more about common Personal Loan uses.
A Personal Loan is a great option to consolidate multiple debts into a single monthly payment. First, identify all the debts that you are interested in consolidating. Then apply for the total sum, or more, if you would like to have some left over for another purpose, letting us know all the debts you would like to consolidate into your loan. Once you are approved, the Personal Loan funds can be used to pay off your higher interest debts and consolidate into one loan with a single monthly payment, often at a lower rate than your multiple debts.
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


*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 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.