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A personal loan
built around you.
Life doesn't wait for the perfect moment. When you need to move fast, Ponce Bank offers personal loans that are straightforward to apply for and simple to understand.
We look at your full picture, not just your credit score. As a Community Development Financial Institution (CDFI) and one of the leading minority-owned banks in the country, we have been investing in our neighbors since 1960.
When you borrow from Ponce Bank, your repayments get reinvested right back into the community.
We look at your full picture, not just your credit score. As a Community Development Financial Institution (CDFI) and one of the leading minority-owned banks in the country, we have been investing in our neighbors since 1960.
When you borrow from Ponce Bank, your repayments get reinvested right back into the community.
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Simple terms.
Real support.
- Competitive interest rates
- Fixed monthly payments - no surprises
- Flexible loan amounts to match your situation
- No collateral required for qualifying borrowers
- Fast application - no unnecessary paperwork
- Multilingual support available
How it Works
1
Tell us about yourself
Fill out our short online form or stop by any Ponce Bank branch.
2
Talk to a banker
A Ponce Bank team member will review your application and walk you through your options.
3
Get your funds
Once approved, your loan is deposited into your account and ready to use.
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Who can apply?
We encourage anyone in our community to apply. Every application is reviewed on its own merits. Here is what we typically look for:
- 18 years of age or older
- Valid government-issued photo ID
- Proof of income or employment
- Social Security Number or ITIN
- U.S. residential address
Not sure if you qualify? Talk to us. We look at the full picture. And if a personal loan isn't the right fit today, we will help you find a path forward.
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60+ years serving the New York City Metro Area
Rated #1 for lending in low-to-moderate income communities among CDFIs by the National Community Investment Fund
More than 75% of our loans go to low-to-moderate income neighborhoods