Personal Loan Rates - The Adirondack Trust Company
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Personal Loan Rates

Rates are accurate as of: 23.07.2021

Check out these competitive rates if you are in the market for an automobile, about to tackle a home improvement project, or think you may want a personal unsecured loan for an upcoming expense.

Automobile*

TYPE/YEAR TERM ANNUAL PERCENTAGE RATE MONTHLY PAYMENT PER $1,000 BORROWED LOAN PAYMENT EXAMPLE CALCULATOR  
2020 & 2021 up to 60 months 3.49% $18.18 If you borrow $10,000 to purchase a vehicle, for sixty (60) months at 3.49% APR, the monthly principal and interest payment would be $181.87. Calculate Payment > APPLY
2019 & 2018 up to 60 months 3.69% $18.27 If you borrow $10,000 to purchase a vehicle, for sixty (60) months at 3.69% APR, the monthly principal and interest payment would be $182.77 Calculate Payment > APPLY
2017 & 2016 up to 60 months 4.09% $18.45 If you borrow $10,000 to purchase a vehicle, for sixty (60) months at 4.09% APR, the monthly principal and interest payment would be $184.57. Calculate Payment > APPLY
2015 & 2014 up to 48 months 4.39% $22.75 If you borrow $10,000 to purchase a vehicle, for forty-eight (48) months at 4.39% APR, the monthly principal and interest payment would be $227.54. Calculate Payment > APPLY
2013 & Older up to 48 months 5.79% $23.38 If you borrow $10,000 to purchase a vehicle, for forty-eight (48) months at 5.79% APR, the monthly principal and interest payment would be $233.88. Calculate Payment > APPLY

Home Improvement

TYPE TERM ANNUAL PERCENTAGE RATE MONTHLY PAYMENT PER $1,000 BORROWED LOAN PAYMENT EXAMPLE  
Loan up to 36 months 7.75% $31.22 If you borrow $10,000.00 for home improvements, for thirty-six (36) months at 7.75% APR, the monthly principal and interest payment would be $312.22. APPLY
Loan up to 48 months 7.99% $24.41 If you borrow $10,000.00 for home improvements, for forty-eight (48) months at 7.99% APR, the monthly principal and interest payment would be $244.10. APPLY
Loan up to 60 months 8.25% $20.40 If you borrow $10,000.00 for home improvements, for sixty (60) months at 8.25% APR, the monthly principal and interest payment would be $203.96. APPLY

Personal Unsecured

TYPE TERM ANNUAL PERCENTAGE RATE MONTHLY PAYMENT PER $1,000 BORROWED LOAN PAYMENT EXAMPLE  
Up to $5,000 up to 60 months 9.25%** $10.44 If you borrow $5,000.00 unsecured for debt consolidation, for sixty (60) months at 8.99% APR, the monthly principal and interest payment would be $104.40. APPLY

*Secured Loans are charged a fee of $35.00 for Vendor's Single Insurance (V.S.I.)
**Unsecured Loans in the principal amount of $5,000.01 and greater do not qualify for this offer.
Annual Percentage Rate (APR). All loans are subject to application and credit approval. Minimum loan amount is $500.

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