Northfield Savings Bank offers personal loans with a wide range of borrowing terms and product features.

Because our loan applications are processed and approved locally, we lend only to people who live, work or own property locally in Vermont. Click here to see NSB's lending area.

 To get started, click here to apply online,  download a loan application or contact your local branch.

Our loans feature: 

  • A wide range of terms and loan amounts
  • A calculator to help you determine your payment
  • Local application and approval process
  • Quick turnaround

See Current Rates

Learn more about our:

Auto Loans 

Whatever the vehicle, we can help you find the right 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 is new or used, a car or truck, an RV or a boat. We also offer loans for motorcycles, all-terrain vehicles (ATVs), personal watercraft and snowmobiles.

Mobile Home Loans

We can help with any kind of mobile home purchase including, for example, if you are buying a mobile home for a rented site. We offer loans for both new and used mobile homes, 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, learn about our mortgage options in our Mortgage section, where you can contact a helpful mortgage originator.

Personal Loans

Sometimes you need to borrow cash to cover special expenses, such as a wedding or an emergency. If you meet NSB's income, credit and financial requirements, you can quickly and easily borrow money on the strength of your signature - as little as $2,500 or as much as $25,000.

Credit Builder Loan

A good credit history is vital to your financial health. But how do you build one? A credit Builder Loan from NSB may be a good start. This program is designed for customers who have no credit experience or a history of late payments.  Our Credit Builder Loan can help you to establish or improve your credit score.* 

Loan amounts range from $2,000 to $3,000 with repayment terms from 1 to 3 years. The proceeds of the loan are held in an interest-bearing savings account. You make regular monthly payments to the loan and at the end of the term you have improved your credit score and have a little nest egg in the savings account. 

To get started, complete this Monthly Budget Worksheet and bring it to your local branch to apply for a Credit Builder Loan. 

* Results not guaranteed. Improvement in credit score dependent on your specific situation. Failure to make monthly payments on time will result in negative reporting to credit bureaus.

Collateral Loans

Use your financial assets to secure your loan - up to $100,000. If you have an NSB CD or savings account to use as collateral, you can borrow against the value of these assets.

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 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 are borrowing against an NSB CD or savings account, your rate will be set at 3% over the rate that account is currently earning. There is no DirectPay discount on these loans.

In certain circumstances, we will lend greater amounts. Please contact a lender or a NSB customer service representative to discuss your needs. You can also visit your nearest branch to meet with a loan officer. And if you know what you want, you can download our loan application. If you are a homeowner, another way to access cash for your needs is to use the equity in your home. Check out our Home Equity products>>