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.


Compare sample monthly loan payments.

Personal Loan, with a 60-month term, and our best rate of 6.99% APR:1

  Monthly Payment
Amount Personal Loan Credit card at 17.64% APR2
$5,000 $98.98 $125.99
$10,000 $197.96 $251.98
$20,000 $395.93 $503.96

That’s potentially thousands in savings over the life of the loan!

Apply for a Personal Loan today.

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.


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

1Rates: To get a Personal Loan (“Loan”) with the Annual Percentage Rate (APR) shown, 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. Fixed loan APRs (with ePay) range from 6.99% to 16.99%, depending on your creditworthiness. The minimum Loan amount is $5,000 and the maximum is $50,000. 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 04/01/2019, 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.

Personal Loan Monthly Payment Example.

Monthly payments on a Santander Personal Loan with a 60-month term and our best rate of 6.99% APR:1

Amount $5,000 $10,000 $20,000
Monthly Payment $98.98 $197.96 $395.93

2National Average APR for a credit card as of 03/07/2019 (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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