Personal Line of Credit: Make Those Big Things Happen.click here for disclosures apply
Personal Line of Credit: Make Those Big Things Happen.apply disc

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

Home Improvements

Home
Improvements

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

Emergency Repairs

Emergency
Repairs

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

Higher
Education

Invest in your career and make necessary tuition payments.

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

Apply for a Personal Line of Credit today.

Call 1.877.726.0838
Locate a Branch
Call
1.877.726.0838
Find a Branch
To apply in person

Santander®
Bank How And When You Like.

Whether it's at one of more than 650 branches, 2000+ ATMs, online, or with our Mobile Banking App, with Santander, you can bank anywhere, anytime.

Strength & Experience

Founded in Spain more than 150 years ago, Banco Santander is one of the largest and most respected financial institutionsin 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 & Services

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

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.

1Rates: To get a Personal Line of Credit (“Line”) 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. A Santander checking account is not required to qualify for a Line of Credit, but use of ePayfrom a Santander checking account will result in an interest rate discount. If ePayis discontinued, the interest rate will increase by 0.25 percentage points, and your payment will increase. 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 ePayfrom 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 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 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. APRs and other terms are accurate as of  10/2/17, and may change thereafter. Line accounts are subject to approval.

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  9/19/2017 (Source: creditcards.com).

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