Looking to make a big purchase or pay down high-interest debt? The M&T Cash Secured Loan lets you borrow confidently by using your own savings as collateral — helping you build credit and maintain control of your finances.
This personal loan offers fixed rates, predictable payments, and terms up to 120 months, giving you flexibility and peace of mind with every installment.
Benefits of the M&T Cash Secured Loan
- Credit builder: Improve your credit while borrowing against your own funds.
- Competitive rates: Fixed APRs between 7.24% and 9.49%.
- Flexible repayment: Terms from 12 to 120 months with the best personal loan options.
Is this loan good?
The M&T Cash Secured Loan is ideal for anyone who wants to borrow safely without overextending their budget. By securing the loan with funds from your M&T savings or CD account, you gain access to lower rates and faster approvals.
This low interest loan offers both affordability and security, making it a smart choice for responsible borrowers seeking stability and growth.
Loan according to your profile
Perfect for individuals aiming to build or rebuild credit, this personal loan adapts to your needs. Whether you’re consolidating debt, financing a purchase, or improving your credit history, it’s a flexible tool for achieving financial goals.
If you already bank with M&T, you can also qualify for relationship discounts and enjoy one of the best personal loan options available today.
I want to apply for the M&T Cash Secured Loan
Turn your savings into opportunity. M&T Bank makes borrowing secure, simple, and fast — online or in person.
Take advantage of low rates and long terms to manage your budget wisely. Apply for the personal loan that grows with you.