Discover the M&T Cash Secured Loan: Build Credit While You Borrow

An easy way to access funds with lower risk and competitive rates from M&T Bank

M&T Personal Loans

Need a loan but want to avoid high interest or risky terms? The M&T Cash Secured Loan might be exactly what you need.

By using funds from your own M&T savings or CD account as collateral, you gain access to up to $100,000 with fixed APRs starting at just 7.24%.

Get to know better:

  • Fast approval process: Receive prompt answers so you can access your funds quickly.
  • Credit-building opportunity: Ideal for those looking to strengthen their credit profile.
  • Loan amount up to $100,000: Borrow a substantial amount backed by your own savings.

Why we recommend this loan

With terms from 12 to 120 months, M&T offers impressive flexibility to fit your financial planning.

Plus, relationship discounts are available if you have an eligible checking account, helping you save even more.

Loan according to your profile

This loan works especially well for anyone looking for a safer way to borrow without giving up access to long-term funding.

Whether you’re consolidating debt, making a big purchase, or building credit, this loan meets multiple financial goals.

I want to apply for M&T Cash Secured Loan

Click the button below to check all the details and see why this could be the smartest credit option for your goals.