Home Loans

When it comes to lending, we act locally

As a Vermont-owned and operated bank, our loan applications are processed and approved locally. That means lending decisions are made by people who understand our communities and the unique needs of Vermonters. Offering a wide range of terms and loan amounts, we support you with:

  • Personal Loans
    For life events and unexpected expenses, customers who meet NSB's income, credit, and financial requirements can borrow as little as $2,500 or as much as $25,000.
  • Credit Builder Loans
    For customers who have no credit experience or a history of late payments, we can help you to establish or improve your credit score.* 
  • 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.
  • Auto Loans
    For new or used vehicles, you can borrow as little as $2,500 or as much as $50,000.
  • Energy Improvement Loans
    Investing in home improvements like replacement windows or a new furnace can lead to savings on your heating or electricity bills. 

For Credit Builder, Collateral, and Energy Improvement loans, please visit your local branch; for other types of personal loans, you may apply online.

Apply online »

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