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473 Broadway Saratoga Springs, NY 12866
Phone: 518-584-5844

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Personal Loan Rates

Rates are accurate as of: November 15, 2017


Type/Year Term Annual Percentage Rate
2018 & 2017 
up to 60 months 3.09%
2016 - 2013 up to 60 months 3.49%
2012 & 2011 up to 48 months 3.99%
2010 & older up to 48 months 4.99%


Home Improvement

Type Term Annual Percentage Rate
Up to 60 months 8.50%*


Personal Unsecured

Type Term Annual Percentage Rate
 Up to $5,000 Up to 60 months 9.50%**


*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). Offer applies to new, personal installment loans only. This offer may not be used to refinance existing ATC loans and cannot be used with other offers or promotions. All loans are subject to application and credit approval. Minimum loan amount is $500. 

A typical loan payment example is: If you borrow $10,000.00 secured by a vehicle, for sixty (60) months at 3.09% APR, the monthly principal and interest payment would be $180.09.

A monthly payment example based on the 3.09% APR, for a 5-year term, per $1,000 borrowed is $18.01.