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

Apply for a Personal Loan today.

If you have an offer code, be sure to have it handy.

Locate a Branch
Find a Branch
To apply in person

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


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

2National 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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