Build credit and keep your savings secure. M&T gives you the tools to grow your future today.
Your savings can work twice as hard—build credit and stay right where they are!
About M&T Bank
M&T Bank has over 165 years of experience serving individuals and communities with trusted financial solutions. It’s a regional bank with deep roots and a personal approach.
Beyond secured loans, M&T also offers mortgages, checking and savings accounts, credit cards, and financial planning services. Their customer-first philosophy shines in every product.
Main characteristics of M&T Cash Secured Loan
- Collateral is held in your M&T savings account
- Loan amounts start as low as $1,000
- Fixed interest rate, often lower than personal loans
- Reports to major credit bureaus
- Predictable monthly payments
Disadvantages
- Requires an M&T savings account
- Funds are locked until the loan is fully repaid
Here is advice for you
If you want to build or repair your credit without the stress of traditional lending, this is the loan for you. You’re borrowing against your own money, which reduces risk and builds financial confidence.
Plus, the structure helps you stay consistent with payments and reach your goals faster. It’s a responsible and empowering choice for long-term success.
Requirements to apply for this loan
- Active M&T Bank savings account
- Valid government-issued ID
- Proof of income or employment
- Minimum deposit equal to the loan amount
How to apply for the loan
- Open a savings account with M&T Bank (if you don’t have one)
- Deposit funds to secure your loan
- Fill out the online or in-branch loan application
- Submit required documentation
- Get approval and start your loan
Apply for your Loan
With the M&T Cash Secured Loan, your savings do more than just sit—they help you grow.
Click below to take the first step toward better credit and greater financial confidence!