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Debt Consolidation

Debt Consolidation

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

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Emergency Repairs

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New Appliances

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

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Personal Loan with a 60–month term, and our best rate of 6.99% APR1:

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

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1 To get a Personal Line of Credit ("Line") or Personal Loan ("Loan") with the annual percentage rate (APR) shown above, you must reside in MA, RI, CT, NH, NJ, PA, NY, DE, ME, VT, 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 4.24% APR with ePay from any Santander checking account. In the event that the WSJ publishes more than one U.S. Prime Rate, we will use the highest published rate. Minimum Line APR is 6.49% and the maximum is 18%. Contact us for information about higher rates that may be available to applicants who do not meet those standards. The amount of any annual fee on a Line will be assessed in the first month after the account is opened and each following year on the account anniversary date during the draw period. The annual fee will be waived as long as you maintain a Santander Select, Premier, or Premier Plus account or will be $25 as long as you maintain an existing Santander Preferred account. In all other cases, the annual fee will be $50. 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 $25,000. 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. The APR on the Line or Loan will increase by 0.25 percentage points, and the payment will increase, if ePay from a Santander checking account is not elected or is discontinued. APRs and other Line/Loan terms are accurate as of 4/1/16 and may change thereafter. A Santander checking or savings 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. Lines/Loans subject to approval.

Loan APRs (all with ePay from any Santander checking account) are 6.99%, 8.99%, 10.99%, 12.99%, 14.99%, or 16.99%, depending upon your creditworthiness. 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
2 National Average APR for a credit card as of 3/14/16 (Source:
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