CONSOLIDATE DEBT OR FUND THE UNEXPECTED, WITH A PAYMENT YOU CAN AFFORD.

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DEBT CONSOLIDATION

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

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EMERGENCY REPAIRS

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

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HOME IMPROVEMENTS

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

 

 

PAY HIGHER INTEREST ON A CREDIT CARD OR LOWER INTEREST ON A SANTANDER PERSONAL LINE OF CREDIT?

it’s a no brainer.

FEATURE SANTANDER PERSONAL LINE OF CREDIT CREDIT CARD
Annual Percentage Rate (APR) 9.24% APR1 16.75% APR3

 

 

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

APPLY FOR A PERSONAL LINE OF CREDIT TODAY.

 
 
 
SANTANDER®
BANK HOW AND WHEN YOU LIKE.

Over 600 branches and more than 2,000 Santander ATMs across the Northeast, including in many CVS/pharmacy® locations. Also, with Santander Online Banking and our Mobile Banking App, you can bank digitally and securely anywhere, any time.

 

Strength and Experience

Strength & Experience

Founded in Spain more than 150 years ago, Banco Santander is one of the largest and most respected financial institutions in the world. Here in the U.S., Santander Bank, N.A. is proud to be a federally chartered national bank and a member FDIC.

 

Products and Services

Products & Services

With checking, savings, money market accounts, credit cards, mortgages, home equity lines of credit, personal loans and lines of credit, small business banking, and investment guidance, we’re here to help get you where you want to be—financially.

 

Personal Touch

A Personal Touch

We’re here to listen and help you make sense of your options so you can choose the accounts and services that fit your life. We want you to prosper. That's why we treat you and your money with respect.

 

FIND A BRANCH TO APPLY IN PERSON
For general Personal Loan or Personal Line Credit questions call 877-726-0838

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, MD 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 4.2 4% 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 o n 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 6/15/18, a nd 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.

2 Existing 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.

3 National Average APR for a credit card as of 6/13/18 (source: creditcards.com/calculators).

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