The M&T Cash Secured Loan transforms your savings into a financial tool that builds credit while keeping rates low.
With fixed APRs and flexible terms, it’s one of the best personal loan options for borrowers seeking safe, responsible credit.
Is M&T Bank a good lender?
M&T Bank has served communities across the Northeast for decades, combining reliability with modern digital banking. It’s known for transparent terms, fast decisions, and friendly service from start to finish.
As a trusted lender, M&T offers low interest loan solutions that put customers first — helping them achieve their goals while maintaining financial confidence.
Main characteristics of M&T Cash Secured Loan
- Borrow $2,000–$100,000
- APRs from 7.24% to 9.49%
- Repayment terms from 12 to 120 months
- Build or improve credit responsibly
- Enjoy consistent, fixed-rate payments on your low interest loan
Disadvantages
- Requires using M&T savings or CD as collateral
- Available only in select U.S. states
Highlight of the loan
The M&T Cash Secured Loan stands out for combining flexibility with financial discipline. By securing your loan with existing deposits, you gain better rates and faster approvals while protecting your savings.
It’s a personal loan built for those who want control, stability, and predictable payments — a reliable way to strengthen your credit profile.
Requirements to apply for this loan
- Active M&T savings or CD account
- Collateral equal to 100% of the loan amount
- Minimum age of 18
- Valid ID and U.S. residency in eligible states
- Steady income and satisfactory credit history
How to apply for the loan
- Visit the M&T Bank website or nearest branch
- Choose the “Cash Secured Loan” option
- Select your loan amount and repayment term
- Link your deposit account as collateral
- Submit your application and wait for approval
Apply for your loan
With the M&T Cash Secured Loan, your money works twice as hard — securing your future while giving you immediate financial freedom.
Apply today and take advantage of this low interest loan from M&T Bank to start borrowing smarter.