Personal Line of Credit: Predictable monthly payment. / Reuse as you repay.
Personal Line of Credit: Predictable monthly payment. / Reuse as you repay.

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

Apply for a Personal Loan or Line of Credit today.

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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 ePay is 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. 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 8.24% with ePay for credit qualified applicants). The minimum Line APR is 6.49% and the maximum 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 enters 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 3/17/2017 and is subject to change. Lines 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

2National Average APR for a credit card as of 12/16/2016 (Source: Creditcards.com).