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.


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


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


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

Personal Line of Credit

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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") with the best Annual Percentage Rate (APR) shown, you must live in MA, RI, CT, NH, NJ, PA, NY, DE, ME, VT, or DC and use automatic payment (ePay) from any Santander checking account. If ePayis discontinued, the interest rate will increase by 0.25 percentage points, and your payment will increase. You must also meet our highest credit standards. Ask about higher rates that may be available for applicants who do not meet those standards. For new 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 on the date you sign the credit agreement for your new credit account. Thereafter, your APR may vary monthly based on the U.S. Prime Rate published in the Money Rates table of The Wall Street Journal on the first business day of the month, plus a margin of 4.24% (now 8.49% with ePayfor credit qualified applicants). The minimum Line APR is 6.49% and the maximum rate is 18.00% APR. Fees: The $50 annual fee is assessed in the first month after the account is opened and each following year on the account anniversary date during the draw period. The fee will be waived if you have a Santander Select, Premier, or Santander Premier Plus checking account at the time the fee is assessed and will be reduced to $25 if you have a Preferred checking account. All other accounts will be assessed the standard $50 fee. Draw & Repayment Terms: The Line has a five-year draw period during which you can obtain advances and elect either principal and interest or interest-only payments. Thereafter, no additional advances may be taken and the Line will enter its five-year repayment period during which you must repay both 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 amount is $5,000 and the maximum is $35,000. All information is accurate as of 6/16/2017 and is subject to change. Line 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 3/15/17 (Source:

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