You're pre-approved for up to $25,000 – and you may qualify for even more.

Use Your Special Program Code and Offer ID to Get Started.

Questions? Please contact Customer Service at 1-888-253-1037 for assistance.


That gives you the added financial flexibility to help you pay for what matters most to you right now — paying off high-interest credit cards, sprucing up your home, paying for the unexpected — or anything else on your "to do" list.

Get the money you need, fast!

  • Great rates from  6.24% to 13.74% APR
  • Loan amounts from $2,000 to $50,000
  • Quick approval process 
  • No application, origination or prepayment penalty fees
  • No collateral needed
To qualify for the lowest APR available: 1) the term of the loan must be 36 months or less; 2) the loan amount must be between $30,000 - $39,999.99; 3) you must have or open an M&T MyChoice Premium or Power Checking account at time of application; and 4) automatic payment deductions from any M&T checking account must be established. Your final APR will be based on your credit profile (as reported to M&T Bank by an outside reporting agency) and deposit relationship. M&T Unsecured Personal Loans must be for an eligible purpose. Offer good in NY, MD, NJ, PA, DE, CT , VA, WV, and DC.
​There are no application, origination or prepayment penalty fees, but late fees and returned payment fees may be charged when applicable.

This offer expires on December 18, 2021. Act Now!

If you accept this offer, you agree that you:
  • Are at least 18 years old
  • Are a U.S. citizen or permanent resident
  • Have a valid social security number
All loans and lines of credit are subject to credit approval. Additional terms and conditions may apply, depending on the type of collateral and other terms offered or chosen.  
You authorize us to obtain your credit and employment histories, and agree that we may, at any time, obtain credit reports or any other information we feel is necessary in connection with your loan or any audit, update, quality control, renewal, extension or collection of any credit extended as a result of your acceptance of this offer. This offer is non-transferable.
A payment example on a $5,000 M&T Unsecured Personal Loan with a 60-month term at a non-discounted APR of 8.99% would be $103.77 per month.
Unless otherwise specified, all advertised offers and terms and conditions of accounts and services are subject to change at any time without notice. After an account is opened or service begins, it is subject to its features, conditions and terms, which are subject to change at any time in accordance with applicable laws and agreements. Please contact an M&T representative for full details.
To qualify for the lowest APR available: 1) the term of the loan must be 36 months or less; 2) the loan amount must be between $30,000 - $39,999.99; 3) you must have or open an M&T MyChoice Premium or Power Checking account at time of application; and 4) automatic payment deductions from any M&T checking account must be established. Your final APR will be based on your credit profile (as reported to M&T Bank by an outside reporting agency) and deposit relationship. M&T Unsecured Personal Loans must be for an eligible purpose. Offer good in NY, MD, NJ, PA, DE, CT , VA, WV, and DC.
​There are no application, origination or prepayment penalty fees, but late fees and returned payment fees may be charged when applicable.
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