Personal Lending

Already Have a Loan Account?

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 their families and communities. We provide small Personal Lending 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 help our customers avoid high-cost predatory loans.

It’s Easy to Get Started…

For our Start Loan, Employee Opportunity Loan, Credit Builder Loans and Unsecured Personal Loans, you can apply online in ten minutes or less. 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 Employee Opportunity Loan

Loans now go up to $3000

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Credit Builder Loans

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

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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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Loans with Benefits

All our accounts come with incredible benefits and services:

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.

Opportunity to Build Credit

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

Opportunity to Build Savings

With your Spring Bank savings account, you can continue to build savings after your loan is paid.

Simple to Apply

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

Automated Process

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

No Prepayment Penalties

You prepay your loan anytime without incurring any fees.

One Application Fee. No Hidden Costs.

The loan process is simple and the costs are transparent.

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.