Unsecured Personal Loans

Whether you need money quickly for a planned event or to cover sudden expenses, M&T unsecured personal loans{{d849*}} could give you the coverage you need.
Apply before July 13th to
receive a special rate offer.6

Get the cash for what is important to you

Your financial needs are unique, but some examples include:

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Home Improvements

Finance home repairs or buy new furniture.

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Debt Consolidation

Save by consolidating higher-interest bills.

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Sudden Expenses

Cover bills for medical or vet expenses.

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Major Life Events

Pay for a wedding, vacation or costs to care for a new addition to the family.


Why choose a personal loan from M&T?

Quick approval process: Get a decision in as little as 24 hours{{d2013*}}

Save on fees: No application, origination, or prepayment penalty fees {{d531*}}

Flexible options: Loans from $2,000 to $50,000

Easy to budget: Choose from terms of one to seven years {{d572*}}

Easy to apply: No collateral is required

Relationship focused: Exclusive rate discounts for qualified checking relationships {{d960*}}

The tools are in your hands

Explore rates today.

With our interactive rate calculator, you can estimate your rate right now and begin the process of applying for your loan.

Take advantage of a special rate offer as low as [[MinAPR]] APR{{d571*}} 

Compared to higher-interest financing options, you'll save with rates from [[MinAPR]] to [[MaxAPR]] APR.{{d571*}} 

Enter an amount between $2,000 and $50,000.

Small savings can turn into bigger savings over time.

Compare average credit card rates to the potential cost savings of consolidating to an M&T personal loan.{{d847*}} 

Loan vs Credit Card Example

M&T Personal Loan

Average Credit Card

Total Balance:






5 Year Interest Paid: $2,745 $8,279

M&T could save you [[CompareSavings]] in interest.{{d847*}} 

Personal Loan Resources

Make a loan payment

Make a loan payment

We offer a number of different ways to make your loan payment.

Apply for Unsecured Loan

Apply for an unsecured loan

Get the money you need with an unsecured personal loan up to $50,000.

Cash Secured Loans

Cash-secured loans

You can use your M&T savings account or CD to get better rates on personal loans.{{d849*}}

Cash Secured Loans

Financial Tools

We have the resources and tools you need to help you make the right choice for your goals. 


Unsecured Loan Rate Handler
Unsecured Loan
EffectiveDate 5/20/24 through 7/13/24
MinAPR 8.74%
MaxAPR 15.19%
ExampleAmount $10,000
ExampleAPR 10.49%
ExamplePayment $214.89
CompareAmount $10,000
CompareAPR 9.99%
CompareInterestPaid $2,745
CompareCardAPR 20.66%
CompareCardInterestPaid $8,279
CompareSavings over $5,500
CompareDate 5/1/24
CompareMinPayment 2.5%
OfferStates CT, DE, ME, MD, MA, NH, NJ, NY, PA, VT, VA, DC and WV