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NSB offers personal loans with a wide range of terms and products features. You can expect a quick answer and helpful advice. Because loan applications are processed and approved locally, we lend only to people who live, work or own property in Vermont. To get started, schedule a meeting with an NSB Loan Officer or download a loan application.
Our loans feature:
- A wide range of terms and loan amounts
- A simple calculator to help you figure your payment
- Local loan application and approval process
- Quick turnaround
View Current Rates >
Vehicle Loans
To keep you moving ahead! A secured installment loan. Whatever the vehicle, we can help you find the right loan. We can put together a loan for as little as $2,500, or as much as $50,000. The terms of your loan will depend on the vehicle you're buying - whether it's new or used, a car or truck, an RV, even a boat. We also offer loans for motorcycles, all-terrain vehicles (ATVs), personal water craft, and snowmobiles.
Personal Loans
Borrow the cash you need with a quick and easy personal loan. Sometimes you need cash to cover special expenses - a wedding or an unexpected emergency. If you meet NSB's income, credit, and financial requirements, you can borrow money on the strength of your signature. You can borrow as little as $2,500, or as much as $25,000.
Mobile Home Loans
For a place to call your own. A secured installment loan. We can help with any kind of mobile home purchase. If you're buying a mobile home for a rented site, such as in a park, you're in the right place! We offer rates for both new and used mobile homes, with loans for as little as $5,000 and as much as $35,000. If you are buying a mobile home on land that you own or lease, please visit our Mortgage section, where you can contact a mortgage originator.
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Collateral Loans
Use your financial assets to secure your loan- up to $100,000. If you have an NSB CD or savings account, or stocks (or other marketable securities) to use as collateral, you can borrow against the value of these assets. Please see our Personal Loan Rates to determine the borrowing requirements and current rates. We offer loans starting at $2,500, with a maximum loan amount of $100,000. You can borrow up to 95% of the value of the balance available in your NSB savings account or CD and arrange a payback schedule that best meets your needs. We will work with you to determine your monthly payment, or we can term your loan over a period of years. If you're borrowing against an NSB CD or savings account, your rate will be set at 3% over the rate that account is currently earning. If you're borrowing against marketable securities we can lend up to 70% of their value. There's no DirectPay discount on these loans.
In certain circumstances, we will lend greater amounts. Please contact a lender to discuss your needs. Please speak with an NSB customer service representative, or visit your nearest branch to meet with a loan officer. They'll help you find the loan that's right for you. And if you know what you want, you can download our loan application (PDF). If you're a homeowner, another way to access cash for your needs is to use the equity in your home. Check out our Home Equity products.
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