Apply for your Santander personal loan!

When a financial emergency arises or a dream comes true, having a solid and agile bank makes all the difference. Santander Personal Loan was created precisely to serve those who need fast, secure credit with flexible conditions.

With the ease of Santander Digital Banking, the entire application process can be completed online in just a few minutes, without needing to visit a branch. The goal is to simplify access to credit and allow customers to complete everything through the app or online banking, with complete transparency.

How the Santander Personal Loan Works

The Santander Personal Loan is a line of credit that allows customers to borrow the amount they need and repay it in fixed monthly installments, according to their chosen term. The biggest advantage is its convenience: simulation, approval, and release of funds are all done digitally, directly through the Santander app or on the official website.

The customer can set the desired amount and the number of installments that best fits their budget. After a credit analysis, the amount is released into the checking account, usually within minutes. It's a simple, fast, and secure solution for those who need immediate cash.

How to apply for a Santander Personal Loan

Applying for a loan is simple and can be done in just a few steps:

  • Access the Santander app
    Open the app on your phone and log in with your login details.
  • Choose the “Loans and Financing” option
    In the main menu, select the credit area and click on “Personal Credit”.
  • Run a simulation
    Enter the desired amount and choose the number of installments that best suits your income. The app will display the installment amount and the applicable rate.
  • Submit for analysis
    After confirming the data, Santander performs a credit analysis based on the customer's profile. If approved, the contract is released for digital signature.
  • Receive the amount in the account
    Once the contract is signed, the money is deposited directly into the checking account. In many cases, this happens the same day.
Access the official website

Advantages of Santander Personal Loan

1# Quick and Digital Release

The biggest benefit is speed. Applications and approvals are completed entirely online, and the funds can be deposited into your account the same day. For customers who already have a Santander account, the process is even faster, as the bank already has the necessary financial history for analysis.

2# No bureaucracy and just a few clicks

No long lines or endless forms. Using the Santander app, simply access the credit section, simulate the amount, choose the number of installments, and confirm the request. The process is intuitive, straightforward, and completely digital, all within the secure environment. Santander Digital Banking.

3# Installments that fit in your pocket

Santander offers customers the flexibility to adjust the amount and number of installments according to their budget. Customers can choose longer terms, reducing installment amounts and avoiding compromising their monthly cash flow.

4# Freedom of use of credit

The borrowed amount can be used as the client wishes: to pay off debts, renovate their home, invest in their business, study, or even travel. Unlike other types of loans, personal loans don't require justification for use, giving the client more autonomy to manage their finances.

5# Security and credibility

Santander is one of the most solid financial institutions in the country and relies on cutting-edge technology to protect data and transactions. When applying for a loan through the official app, customers are assured that every step follows the most advanced digital security protocols on the market.

Why choose Santander for your personal loan

Santander stands out in the market for the solidity and trust it conveys to its customers. Besides being one of the largest banks in the country, Santander constantly invests in technology to make its services more agile and accessible.

O Santander Digital Banking is a reflection of this transformation: a platform that brings together all banking services in a secure and convenient environment. With it, customers can track their loan in real time, see installments paid, make advance payments, and even renegotiate their loan if necessary.

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Published on October 20, 2025