Personal Loan Rates | Adirondack Trust Company
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Personal Loan Rates

Rates are accurate as of: c

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
 2026, 2025, 2024 Up to 60 months 5.40% $19.06 If you borrow $10,000 to purchase a vehicle, for sixty (60) months at 5.40% APR, the monthly principal and interest payment would be $190.60. Calculate Payment >
2023 & 2022 Up to 60 months 6.00% $19.33 If you borrow $10,000 to purchase a vehicle, for sixty (60) months at 6.00% APR, the monthly principal and interest payment would be $193.30. Calculate Payment >
2021 & 2020 Up to 60 months 6.30% $19.47 If you borrow $10,000 to purchase a vehicle, for sixty (60) months at 6.30% APR, the monthly principal and interest payment would be $194.70. Calculate Payment >
2019 & 2018 Up to 48 months 7.50% $24.18 If you borrow $10,000 to purchase a vehicle, for forty-eight (48) months at 7.50% APR, the monthly principal and interest payment would be $241.80. Calculate Payment >
2017 & Older Up to 36 months 8.75% $31.68 If you borrow $10,000 to purchase a vehicle, for thirty-six (36) months at 8.75% APR, the monthly principal and interest payment would be $316.80. calculate payment >

Personal Unsecured

TYPE TERM ANNUAL PERCENTAGE RATE MONTHLY PAYMENT PER $1,000 BORROWED LOAN PAYMENT EXAMPLE
Up to $5,000 Up to 36 months 11.00%** $32.74 If you borrow $5,000 unsecured for debt consolidation, for thirty-six (36) months at 11.00% APR, the monthly principal and interest payment would be $163.69.

* Secured loans are charged a fee of $50 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.