Predictable monthly payment - Personal Loan
Predictable monthly payment - Personal Loan

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

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

Apply for a Personal Loan today.

Locate a Branch
Find a Branch
To apply in person

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


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

1Rates: To get a Personal Loan (“Loan”) with the Annual Percentage Rate (APR) shown above, you must reside in MA, MD, RI, CT, NH, NJ, PA, NY, DE, ME, VT, or DC, meet our highest credit standards, and use automatic payment (ePay) from any Santander Bank N.A. checking account. Loan APRs (with ePay) are 6.99%, 8.99%, 10.99%, 12.99%, 14.99%, or 16.99%, depending upon your creditworthiness. The minimum Loan amount is $5,000 and the maximum is $35,000. The APR on the Loan will increase by 0.25 percentage points and the payment will increase, if ePay is not elected or is discontinued. 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 Loan, but use of ePay from a Santander checking account will result in an interest rate discount. Personal Loans cannot be used to finance post-secondary educational expenses. Loan accounts are subject to approval.

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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