NBSB Consumer Loan Rates

Auto & Motorcycle | Recreational Vehicles |Boat Loans| Unsecured Personal | Savings Secured

All Annual Percentage Rates (APR) listed below are accurate as of November 3rd, 2022.

 

Auto & Motorcycle Loans

Type             Model Year             Term                         Annual Percentage Rate
(APR)
Monthly Payment
per $1,000 borrowed
New/Used 1 2020 - 2023up to 36 months5.49%***$30.20
New/Used 1 2020 - 2023up to 48 months5.49%***$23.26
New/Used 1 2020 - 2023up to 60 months5.49%***$19.10
New/Used*2020 - 2023up to 72 months6.49%***$16.81
Used**2017 - 201936 months6.49%***$30.65
Used**2017 - 201948 months6.74%***$23.83
Used**2017 - 201960 months6.99%***$19.80
Used**2014 - 201648 months7.74%***$24.30
Used**2009 - 201336 months8.24%***$31.45
Classic Auto Special****2002 or older48 months6.74%***$23.83

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Financing for New vehicles up to 100% of purchase price plus sales tax.

Financing or refinancing for Used vehicles model year 2020-2023, up to 100% of purchase price plus sales tax or NADA Clean Retail Value the lessor of the two.

*New vehicle loans with a term of 72 months minimum loan amount is $15,000.00 up to 100% of purchase price plus sales tax.

 **Financing or refinancing for Used vehicles model year 2019 or older up of 90% of purchase price plus sales tax or NADA Clean Retail Value the lessor of the two.

***Actual APR may differ based on your credit history, credit score and payment method. Stated APR is based on a credit score of 700 or higher. Actual rate may be higher. Other rates, terms, and conditions may apply. The above rates reflect a .50% discount with direct deposit and automatic payments from a North Brookfield Savings Bank Checking account.

**** Classic Car auto loan up to a 48-month term. The Above rate reflects a .50% discount and is only valid if payments are automatically deducted from a NBSB checking account which has an established direct deposit. For qualified applicants, financing/refinancing is available for used vehicles model years 2002 or older up to the lesser of 100% of the purchase price or 100% of the NADA Classic Average Retail Value. Vehicles must have fire, theft and collision insurance coverage. Rates and terms are subject to change at any time without notice. Bank may withdraw offer at any time. Other restrictions and conditions may apply. All loan applications are subject to credit approval.

 

 

Recreational Vehicle Loans

Type             Term                         Annual Percentage Rate
(APR)
Monthly Payment
per $1,000 borrowed
New Large RV/Motor Home: model year 2020-2023up to 60 months8.49%*$20.52
New Large RV/Motor Home: model year 2020-2023greater than 60-120 months9.49%*$12.94
Used Large RV/Motor Home: model year 2013-2019up to 60 months9.24%*$20.88
Used Large RV/Motor Home: model year 2013-2019greater than 60-120 months11.24%*$13.92
*New RV No Title- UCC lienUp to 60 months8.99%*$20.76
*Used RV No Title- UCC lienUp to 60 months10.24%*$21.37

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*Actual APR may differ based on your credit history, credit score and payment method. Stated APR is based on a credit score of 700 or higher. Actual rate may be higher. Other rates, terms, and conditions may apply. The above rates reflect a 1.0% discount on motorhome/travel trailer, ATV and Snowmobiles with direct deposit and automatic payments from a North Brookfield Savings Bank Checking or Savings account.
Financing for new vehicles up to 100% of purchase price. Financing for used vehicles up to the lesser of 90% of retail of NADA or 90% of the purchase price. Maximum age of used vehicle is 10 years.

The above loans must have full fire, theft and collision insurance coverage.

 

Boat Loans

Type             Term                         Annual Percentage Rate
(APR)
Monthly Payment
per $1,000 borrowed
New 2020-2023up to 60 months8.74%*$20.64
New 2020-2023up to 120 months10.49%*$13.50
Used 2013-201960 months9.99%*$21.25

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*Actual APR may differ based on your credit history, credit score and payment method. Stated APR is based on a credit score of 700 or higher. Actual rate may be higher. Other rates, terms, and conditions may apply. Maximum age of used vehicle is 10 years. All of the above loans must have full fire, theft and collision insurance. Financing for new vehicles 90% of purchase price. Financing or refinancing of used vehicles 80% of purchase price or average retail price the lower of the 2. *Includes Snow Mobile ATV Ski Doo

The above loans must have full fire, theft and collision insurance coverage.

 

Unsecured Personal Loans

Type             Maximum Loan Amount Term                         Annual Percentage Rate
(APR)
Monthly Payment
per $1,000 borrowed
Unsecured Personal Loan$5,00036 months14.24%*$34.30

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*Actual APR may differ based on your credit history, credit score and payment method. Stated APR is based on a credit score of 700 or higher. Actual rate may be higher. Other rates, terms, and conditions may apply. The above rates reflect a 1.0% discount with direct deposit and automatic payments from a North Brookfield Savings Bank Checking or Savings account.

 

Savings Secured Loans

Type Maximum Loan AmountTerm                Annual Percentage Rate
(APR)
Monthly Payment
per $1,000 borrowed
Savings Secured Loan
up to 95% of the value
of the secured account
60 monthsVariable Rate; 4% above
rate of secured account
Up to 95% of the value of the secured account.
Credit Builder Loan
Savings Secured
$2,50060 months9.25% Payment differs based on amount borrowed.

NBSB’s Credit Builder Loan is designed to help you to build or rebuild your credit.1 Get fast approval with no credit report or income verification. You will also keep your savings, plus accrue interest on your balance.2 Loan amounts from $300 and $2,500.1 Learn more.

*Payment amount shown assumes an APR of 7.00%. Your monthly payment will vary based on the loan amount and term. Actual payment amounts may be higher. Rate and payment may increase after consummation.

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All rates are subject to change without notice. All loans are subject to credit approval.