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Santander Personal Loans

A fast and easy way to get the funds you need.

Check your loan rate in minutes with no impact to your credit score.

You’ll like a
Santander Personal Loan

If you’re looking for
fast one-time funds with low rates and no fees.1

Favorite features

  • Same-day funding available.2
  • On the spot pre-qualification – with no impact to your credit score.
  • No sign-up fees, no pre-payment fees.
  • No collateral required – borrow from $5,000 to $50,000 in one lump sum.
  • Enroll in ePay and save.

Advantages of a Personal Loan.

No collateral required – borrow from $5,000 to $50,000 in one lump sum to:

Consolidate debt

and save on high-interest payments.

Cover the cost

of medical procedures without worry.

Make needed home improvements

to add value and comfort..


It’s the smart, simple way to take care of your one-time borrowing needs.




Apply now with EZApplySM from Santander®.

Ready when you are with the fastest and simplest way to apply for a Santander Personal Loan.

Check your rate.

Pre-qualify with no commitment and no impact to your credit score.

Quick online application done easily.


Get your funds.

Sign your documents easily online and your funds will be on the way – in as little as a day.



To learn more about Personal Loans, check out our FAQs.

Customers also like:

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  • Access funds when you need them, as you need them, up to your available credit limit.
  • Only pay interest on the amount you use.
  • Reuse your line as you repay it.

Learn More...


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At Santander Bank, we want you to prosper. That’s why we treat you and your money with respect. By providing helpful tips, articles, and ideas, you can confidently navigate your financial future.

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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, FL or DC, meet our credit standards, and use automatic payments (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  , and may change thereafter. A Santander checking account is not required 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.

2Based on the time your application is received, same-day funding is available in many cases, depending on your creditworthiness and the funding instructions you provide.

Santander Bank, N.A. is a Member FDIC and a wholly owned subsidiary or Banco Santander, S.A. © 2021 Santander Bank, N.A. All rights reserved. Santander, Santander Bank and the Flame Logo are trademarks of Banco Santander, S.A. or its subsidiaries in the United States or other countries. All other trademarks are the property of their respective owners.

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