Personal Lending

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If you’re not ready to apply now, complete the form below for more information and we will contact you.

Get a Loan When You Need It

All people deserve equal access and the opportunity to build prosperous and abundant futures for you and your family. We provide small Personal Loans so that an unforeseen emergency like a car repair or minor health expense doesn’t become a major disruption. We build in savings and credit building opportunities and you avoid high-cost predatory loans.

Our Credit Builder Loans can help you get your credit scores moving in the right direction.

The Employee Opportunity Program-available to employees of our partner employers.

As part of our Employee Opportunity Program employees have access to a number of products and services including The Opportunity Loan , The E-Bike Loan NYC and other financial benefits like free financial counseling from GreenPath Financial Wellness.

“The process of applying for a loan is very painless for the employee and for HR. For whatever an employee needs, it’s great “ Abigail Saunders, Director of Human resources, Greyston Bakery

Our Credit Builder Loan is open to all Spring Bank customers who want to build credit and savings

If you have questions about any of our personal loan offers, call us at 718-879-5000 and a member of the Spring Bank family will help you.

At Spring Bank we make it simple to apply for a loan. Learn more about our personal lending options below:

The Opportunity Loan

An affordable and responsible loan option up to $3500 with no minimum credit score requirement. Employees can access money when they need it and build savings and credit for the future.

Payments are deposited from payroll into a savings account making it simple to build credit and savings while the loan is being paid.

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The E-Bike Loan NYC

Up to $2500 with no minimum credit score requirement.
Save Money: Public transport passes, gas prices, car maintenance
Save Time: Getting to work on time should not be a worry!
An E-Bike is healthier for you and your community.
The E-Bike Loan NYC helps you improve your credit score.

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Unsecured Consumer Loan

Loan for up to $2500. Minimum credit score requirement is 620 and must be/have been an active account holder for at least 6 months.

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Credit Builder Loans

Start Building credit and savings Amount: Up to $1500.

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Loans with Benefits

All our accounts come with incredible benefits and services:

Achieve Sustainable Financial Health

Access to all the FREE tools and 1-on-1 counseling to help employees build financial health through our partnership with GreenPath Financial Wellness.

One Application Fee. No Hidden Costs.

The loan process is simple and the costs are transparent.

No Prepayment Penalties

You can prepay your loan anytime without incurring any fees.

Simple to Apply

From application to closing, the loan application process is completely automated. Use your computer or mobile device to get started.

Opportunity to Build Savings

Your Spring Bank savings account we have made it simple for you to build savings.

Opportunity to Build Credit

With on-time payments, you can create or improve your credit score.

Use of Your IDNYC

We are all about expanding access. That is why we accept IDNYC Card, as a primary form of ID for account opening.

Schedule an Appointment

Fill out your information below to schedule time with one of our account managers. They’ll be happy to assist you with any and all of your banking needs, including opening accounts, reviewing loan options, or exploring ways to grow your retirement savings.

Have any questions? Stop by a branch or call us at (718) 879-5000.

Our Promise

At Spring Bank, customers are never “just” numbers. Trusting us with your money (and your goal) is no small matter. In fact, when you decide to bank with us, you become a member of the family, and your financial dreams become ours.