Apply for a Personal Loan or Line of Credit today.
Apply for a Personal Loan or Line of Credit today.

Get the funds you need,
with a rate you can afford.

Debt Consolidation


Pay off higher-interest-rate credit card debt at a better rate. Consolidate and save.

Emergency Repairs


Whether it's new tires, new brakes, or both. Get what you need to be safe and sound.

Home Improvements


Make the upgrades and major purchases that will make your home your own.

Monthly Payment Chart

Monthly Payment Chart

Loan or Line of Credit? Compare and see which is best for you.

Compare Home Equity Lines and Loans

Compare Home Equity Lines and Loans

Plus, now you can get your funds in as little as two days!2

Apply for a Personal Loan or Line of Credit today.

Personal Loan

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Personal Line of Credit

Personal Line of Credit - Apply Now

Locate a Branch
Find a Branch
To apply in person

For general Personal Loan or Line of Credit questions, call 1-877-726-0838

Personal Loan Max APR of 16.99%. Repayment period may be between 24 and 60 months.

1Rates: To get a Personal Line of Credit (“Line”) or Personal Loan (“Loan”) with the annual percentage rate (APR) shown, you must reside in MA, RI, CT, NH, NJ, PA, NY, DE, ME, VT, or DC, have or open a Santander checking account, and use automatic payment (ePay) from that account. You must also meet our highest credit standards. For new Personal Lines of Credit, your initial APR is based on the U.S. Prime Rate published in the Money Rates table of The Wall Street Journal (WSJ) on the date you sign the credit agreement. Thereafter, your APR may vary monthly and is based on the U.S. Prime Rate published in the Money Rates table of the WSJ on the first business day of the calendar month, plus a margin of 4.24% APR with ePay from any Santander checking account. Minimum Line APR is 6.49% and the maximum is 18.00%. Contact us for information about higher rates that may be available to applicants who do not meet those standards. Fees: An annual fee, if any, will be charged during the draw period in the first month after the account is opened and each year thereafter on the anniversary date. The amount of the annual fee will be $0, $25, or $50, based on the type of deposit account you have with Santander at the time the fee is assessed. Draw & Repayment Terms: The Line has a five-year draw period, during which you may obtain advances and elect either principal and interest or interest-only payments. Thereafter, no additional advances may be taken and line enters the five-year repayment period, during which you must repay principal and interest. Other Information: Line use is subject to the terms of the Personal Line of Credit Agreement, including terms that permit Lines to be suspended, reduced, or terminated in certain circumstances. The minimum Line/Loan amount is $5,000 and the maximum is $35,000. APRs and other terms are accurate as of  1/2/18, and may change thereafter. A Santander checking account is not required to qualify for a Line or Loan, but use of ePay from a Santander checking account will result in an interest rate discount. If ePay is discontinued, the interest rate will increase by 0.25 percentage points, and your payment will increase. Personal Loans cannot be used to finance post-secondary educational expenses. Line/Loan accounts are subject to approval.

Loan APRs (all with ePay from any Santander checking account) are 6.99%, 8.99%, 10.99%, 12.99%, 14.99%, or 16.99%, depending upon your creditworthiness.

Payment examples on a Loan of $10,000 for 60 months are as follows:

Loan APR 6.99% 8.99% 10.99% 12.99% 14.99% 16.99%
Payment Amount $197.96 $207.54 $217.37 $227.48 $237.85 $248.47

2Existing Santander checking customers who provide a valid checking account number and email address at application are eligible for two-day funding on a Personal Loan or Line of Credit. If income verification, payoffs of existing debt, and/or a counter-offer are required, or if a co-applicant is included on the application, customer is not eligible for two-day funding.

3National Average APR for a credit card as of  12/6/17 (source: Estimated using a credit card monthly payment, based on 3.00% of outstanding balance, with a minimum of $15 (source:

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