*Lowest APR available on approved credit. Your actual APR may vary. The APR is based on borrower credit profile (as reported to NBT Bank by an outside reporting agency), collateral type, loan amount, term, lien position, and loan to value ratio. APR shown is current as of 10/01/2018 and is subject to change.
Rates assume payments will be automatically deducted from an NBT Bank checking or money market account. Add .50% to the rate if the automatic payment feature is not selected. To qualify for this rate, the minimum loan amount is $4,000, minimum credit score is 740 (730 for automobile loans), and maximum term is 36 months (60 months for automobile loans). Call 800-628-2265 for the actual APR for your loan.
NBT Bank loans are only available in Massachusetts, New Hampshire, New York, Pennsylvania and Vermont.
- Personal Loan Secured: On a $10,000 secured personal loan the payment would be $308.66 per month for 36 months with a 6.99% APR.
- Personal Loan Unsecured: On a $7,500 loan, the payment would be $231.57 per month for 36 months with a 6.99% APR.
- New Automobile Loan: On a $15,000 loan, the payment would be $452.87 per month for 36 months with a 5.49% APR.
- Used Automobile Loan: On a $15,000 loan, the payment would be $452.87 per month for 36 months with a 5.49% APR.