The Opportunity Loan

Personal Loans

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    The Opportunity Loan is for employees at partner employers.

    The Opportunity Loan is an affordable and responsible loan option with no minimum credit score requirement. Access the cash you need now and build savings and credit for the future. Payments are deposited from your payroll into a Spring Bank savings account. You can establish or improve your credit score and choose options to build savings.

    As a Spring Bank customer, you can always access free financial counseling from GreenPath Financial Wellness. 

    Click Here for a List of our Participating Employers

    • Austin Meat & Seafood
    • Bridge Street Development Corporation
    • BronxWorks
    • Cardiology Unlimited
    • Community Access
    • Doe Fund
    • Dominican Women’s Development Center
    • Family Life Academy Charter Schools
    • Grand St. Settlement
    • Green House Eco Cleaning
    • Greenwich House
    • Greyston Bakery
    • Hamilton Madison House
    • Hunts Point Alliance for Children
    • Jetro/Restaurant Depot
    • Kingsbridge Heights Community Center
    • Legacy Vacation Club – NJ
    • Legally Addictive Foods
    • MHANY Management Inc
    • Mosholu Montefiore Community Center
    • Per Scholas
    • Phipps Houses and Affiliates
    • Red Hook Initiative
    • School in the Square
    • SoBRO
    • Sunnyside Community Services
    • The Floating Hospital
    • The Hope Program
    • UncommonGoods
    • Vista Food Exchange
    • West Harlem Group Assistance
    • Westhab
    • AMIC
    • Feeding Westchester
    • Fordham Bedford Housing Corp

    Apply for the Opportunity Loan

    Opportunity Loan Benefits

    Exclusively for Employees at Our Many Employer Partners

    Loans with Benefits

    All our personal loan accounts come with incredible benefits and services:

    Building Financial Wellness

    Through our partnership with the national nonprofit, Greenpath Financial Wellness, Spring Bank customers can access free one-on-one financial counseling or other GreenPath programs and services.

    Other Important Benefits of all Spring Bank Consumer Loans

    • Simple online application process--apply from anywhere, anytime
    • No Prepayment Penalties
    • No Hidden Cost
    • Opportunities to build credit and savings

    One Application Fee. No Hidden Costs.

    No Hidden Costs.
    The loan process is simple and the costs are transparent.

    No Prepayment Penalties

    You can prepay your personal loan anytime without incurring any fees.

    Simple to Apply

    From application to closing, the loan application process is completely automated. Use your computer or mobile device to get started.

    Opportunity to Build Savings

    Loan proceeds are placed in a high-interest rate Spring Bank savings account, making it simple to build your savings balance with every payment.

    Opportunity to Build Credit

    With on-time payments, you can create or improve your credit score.

    Use of Your IDNYC

    We are all about expanding access. That is why we accept IDNYC as a primary form of ID for account opening or loan processing.

    Schedule an Appointment

    Ready to grow with us? Come in and talk to one of our account managers to see how we can help. You can open a checking account, apply for a loan, open an IRA account and much more. Use the form below to schedule an appointment:

    Open Business Checking Account Online in New York

      Have any questions? Stop by a branch or call us at (718) 879-5000.

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