Santander browser compatibility


You are in

Personal Loans from Santander Bank

Everyone needs a little help now and then. A Personal Loan can help you afford that upcoming big project or purchase. Borrow from $5,000 to $35,000 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. Learn how to get a personal loan from Santander Bank.

Personal Loan Features


  • 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.

Personal Loan 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.

May We Also Suggest?

Rest easy with Simply Right Checking from Santander Bank.

Simply Right® 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.

Learn More...

Use a credit line to help fund your imagination.

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 line of credit for other plans and expenses, like easing the burden of much needed home repairs.

Learn More...

Bravo Credit Card

Bravo® Credit Card


  • $100 cash back as a statement credit when you spend $1,000 on new net retail purchases in your first 90 days after opening your account¤.
  • 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

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 $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 05/16/2016 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.