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Borrow up to $25,000 with no collateral required with a personal loan from Santander Bank.

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Personal Loan

Everyone needs a little help now and then. A Personal Loan can help you with that upcoming big project or purchase. Borrow from $5,000 to $25,000 in one lump sum and take up to 60 months to repay1. A fixed interest rate and no annual fee make it a smart solution for your one–time borrowing needs.



  • Competitive interest rates — plus earn a rate discount when you set up automatic payments from any Santander Bank checking account.
  • Predictable monthly payments.
  • No collateral required.
  • No application fee or annual fee.

What Can a Personal Loan Be Used For?



Consolidating your higher interest debt into one convenient lower monthly payment.

Life Events

Life Events

Paying for family reunions, weddings or even vacations.



Purchasing new appliances or
making auto repairs.

Monthly Payments

Monthly payments on a Santander Personal Loan with a 60-month term and our best rate of 6.99% APR1

Amount $5,000 $10,000 $20,000
Monthly Payment $98.98 $197.96 $395.53

Rate assumes automatic payment from a Santander checking account.

Is a Personal Loan Right for Me?

Use the handy calculators below to determine how much your loan payments will be and if you should consolidate your debt:

Compare Personal Loan and
Personal Line of Credit
  Personal Loan Personal Line
of Credit
No Collateral Required
APR Discount with Autopay from Any
Santander Bank Checking Account
Ongoing Access To Credit As You Need It  
Get Money You Need In One Lump Sum  
Re–Use As You Repay  
Predictable Fixed Monthly Payment  
  Apply Now Learn More

Frequently Asked Questions
  • A loan is an amount of money that you borrow for a specified length of time. You receive a one-time, lump-sum that is paid down through fixed monthly payments with a fixed rate and fixed term. A line of credit is a borrowing limit extended to you. The funds are available to you up to a pre-assigned credit limit and you have the ability to re-use your line of credit as you repay. Your monthly payment will be based on the amount of the line you have outstanding.

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Simply RightSM Checking

Pay no Monthly Fee with one deposit, withdrawal, transfer, payment, or purchase of any amount in a calendar month.

  • No minimum balance to avoid the Monthly Fee.
  • Easy account access at thousands of Santander ATMs, including many CVS locations.
  • Convenient mobile app for checking balances and performing transactions on the go.

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Make your financial goals a reality with an unsecured loan or line of credit from Santander Bank.

Personal Line of Credit

Help bring your dreams to life with a Personal Line of Credit.

  • Why make multiple payments when you can make one monthly payment at a super rate?
  • You can also use a personal loan for other plans and expenses, like easing the burden of much needed home repairs.

Learn More...

Bravo Credit Card

Bravo® Card


  • Triple points on supermarket, gas stations, and restaurant purchases, up to 15,000 points per calendar quarter†
  • 1 point per $1 spent on all other purchases†
  • Earn 10,000 points for spending $1,000 with your card in the first 90 days of opening your account

Learn More...

1 To get a 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, 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. Payment examples on a $10,000 Loan for 60 months at an APR of: 6.99% is $197.96; 8.99% is $207.53; 10.99% is $217.37; 12.99% is $227.48; 14.99% is $237.85, or 16.99% is $248.47, respectively. The minimum Loan amount is $5,000 and the maximum is $25,000. 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 03/01/2016 and may change thereafter. A Santander checking account is not required to qualify for a Loan. Loan accounts are subject to approval.

† Accounts must be in good standing. Applies to new net retail purchases only.

¿ 0% Intro APR for 18 billing cycles on balance transfers made within 90 days of opening your account. After introductory period a variable APR for balance transfers from 15.99% to 24.99% based on the Prime Rate and your creditworthiness, with a transaction fee for each balance transfer of either $10 or 3%, whichever is greater. Variable APR for purchases from 15.99% to 24.99%, based on your creditworthiness when you open your account. Cash advance rate of 24.99% APR. Minimum finance charge of $1.50. The fee for cash advances is $10 or 5%, whichever is greater. Penalty rate of 29.99% APR. The foreign transaction fee is 3% of the gross amount of transactions made in a foreign currency and transactions made in U.S. Dollars that are processed outside the 50 United States, District of Columbia, Puerto Rico, or Santander ATMs in Mexico. Purchases of wire transfers from a non-financial institution of either $10 or 4% of the amount of each transaction, whichever is greater. The annual fee is $49 per year (waived for the first year of the account, and waived in each of the subsequent years on the anniversary date of the account if you maintain a Santander SelectSM checking account or if you are qualified for a Santander® Bank employee checking account). There is no grace period on balance transfers. Also if you take a balance transfer offer, this means that unless your purchase APR is at an introductory or promotional 0% APR, you will pay interest on new purchases from the date made if you do not pay all balances, including the promotional balance transfer, in full by the next payment due date appearing on your statement. Rates are effective as of today. Please see the Terms and Conditions for additional rate, fee, and other cost information.