Consolidate Debt with Low Rates - Apply Now at Santander Bank - Santander

Borrow $20,000 for as low as $488 per month!*

(example only)

Whether consolidating higher-rate debt or funding a home renovation, a Santander Bank Personal Loan has the flexible terms and rates to help you achieve your goals.

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Welcome to a better Personal Loan.

No origination fees, no closing fees, and no prepayment penalties.

Flexible terms from 3-7 years with low monthly payments.*

Rates as low as 7.99% APR with ePay automatic payments.**

Quick approval and same-day funding available.***

Get your rate with no impact to your credit score prior to application.

Get your rate.

Whether meeting your needs or your dreams, we’re here to help.

Build a secure financial future by consolidating higher-rate debt.

Renovate a room in your home or cover a major purchase.

Plan for life’s major milestones and surprises – like a wedding or an unforeseen medical bill.

*This loan amount of $20,000 and monthly payment of $488 is an example that assumes you qualify for a personal loan with an Annual Percentage Rate (APR) of 7.99% and a term of 48 months. All personal loans are subject to individual approval. See “Rates and Terms” below for more important disclosures and information.

**Rates and Terms: Personal Loans are subject to individual approval and meeting our credit standards. Your primary residence must be located in AZ, CA, CT, CO, DC, DE, FL, GA, IL, IN, MA, MD, ME, MI, MN, MO, NC, NJ, NH, NY, OH, OR, PA, RI, TN, TX, VA, VT, or WA. The fixed loan Annual Percentage Rate (APR) will depend on your creditworthiness and use of automatic payments (ePay) from any deposit account. The APR on a Personal Loan will increase by 0.25 percentage points and the payment will increase, if ePay is not elected or is discontinued. Fixed loan APRs (with ePay) range from 7.99% to 24.99% and are subject to change without notice. Loan amounts range from $5,000 to $50,000. Loan repayment terms range from 36 months to 84 months. All terms are subject to change without notice. Personal Loans cannot be used to finance post-secondary educational expenses. Personal Loan Monthly Payment Example: For a personal loan of $20,000 with a 60-month term at 15.49% APR, the monthly payment amount is approximately $480.96 to repay your loan in 60 payments. This example is an estimate only and assumes all payments are made on time.

***Based 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.

Equal Housing Lender. Santander Bank, N.A. is a Member FDIC and a wholly owned subsidiary of Banco Santander, S.A. ©2024 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 owners.