Check my rate - Won’t impact your credit prior to application.
Santander Personal Loans
You’re building a life of prosperity and planning for the future. From consolidating debt to funding home improvements, a personal loan can help you realize your vision.
Rates as low as 7.99%* - There are no fees* to apply or close. Plus you can easily apply in less than 5 minutes.
Pre-qualification with no impact to your credit - Check your rate and available loan amount in minutes with no impact to your credit score
Personal Loan features & benefits - Talk to a Specialist at 833-SAN-LOAN 8 a.m. – 5 p.m. Eastern Time, Mon-Fri
FAQs: Personal Loans
- How do Personal Loans work
Personal Loans are unsecured and do not require collateral like your home or other assets. How much you’re able to borrow will largely depend on your credit history and not your home’s equity or any other assets. When you are approved for a personal loan, you receive the funds in one lump sum and your interest rates are fixed for the life of the loan, resulting in a predictable monthly payment. - How does interest work on a loan
Paying interest is the cost of taking out a loan. Personal Loans have a simple, fixed interest rate on the principal of the loan. Learn how much your monthly payments will be by checking your rate or speaking with a Specialist at 833-SAN-LOAN. There is no impact to your credit score. - What are the Benefit of an uncured personal loan
One of the benefits is that there is no asset (car, house, etc.) acting as collateral against the borrowed funds, which simplifies the application process. Whether you need to consolidate debt, make necessary home or car repairs, purchase appliances, or pay for major expenses, a personal loan is there to help make your plans a reality with funds in one lump sum. - How do I use loan to consolidate debt
A Personal Loan is a great option to consolidate multiple debts into a single monthly payment. First, identify all the debts that you are interested in consolidating. Then apply for the total sum, or more, if you would like to have some left over for another purpose, letting us know all the debts you would like to consolidate into your loan. Once you are approved, the Personal Loan funds can be used to pay off your higher interest debts and consolidate into one loan with a single monthly payment, often at a lower rate than your multiple debts.
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Support resources: Personal Loans- We’ll guide you on your financial journey.
- How do I use a personal loan to consolidate debt?
If you’re looking to reduce monthly payments, a personal loan might be the answer. - How long does it take to get a personal loan?
A simple online application and available same day funding† can help make your plans a reality. - How do I pay off a loan early?
If you’d like to pay down your personal loan more quickly, there are different ways to do this. - VIEW ALL
Check your rate .
There is no impact to your credit score prior to application, and no commitment necessary.
01 Check your rate
02 Easily apply online
03 E-sign and get your funds
Won't affect your credit
Talk to a Specialist at 833-SAN-LOAN
8 a.m - 5 A.m Eastern Time, Mon-Fri
See how we compare
| NO: | Santander | Lending Club | Best Egg | Citibank | |
|---|---|---|---|---|---|
| 1 | Origination fees | $0 | 3.00%-8.00% | 0.99% - 8.99% | $0 |
| 2 | Monthly Fee* | $25 | $105 | $4 | $0.00 |
| 3 | Flexible terms | 36 - 84 months | 24 - 60 Months | 36 - 60 Months | 12 - 60 Months |
| 4 | Loan amounts | $5k - $50k | $1K - $40K | $2K - $50K | $2K - $30K |
| 5 | Minimum opening deposit | $25 | $105 | $4 | $0.00 |
| 6 | Funds deposited same-day | Yes | 1-3 business days | 1-3 business days | Yes |
| 7 | Rates (APR) | 7.99% - 24.99% | 8.98% - 35.99% | 8.99% - 35.99% | 10.49% - 19.49% |