Consumer Loan Rates
Effective Date 10/22/25
Receive a 0.125% consumer loan rate discount by setting up automatic payments from your existing or newly opened Adirondack Bank checking/savings account.
New Cars & Trucks 2024, 2025 & 2026
| Maximum Term (Months) | APR | Monthly P&I Payment Per $1,000 |
|---|---|---|
| 24 | 6.00% | $44.32 |
| 36 | 6.00% | $30.42 |
| 48 | 6.25% | $23.60 |
| 60 | 6.50% | $19.57 |
| 72 | 6.75% | $16.93 |
| 84 | 7.00% | $15.09 |
Used Cars & Trucks 2017-2023
| Maximum Term (Months) | APR | Monthly P&I Payment Per $1,000 |
|---|---|---|
| 24 | 6.50% | $44.55 |
| 36 | 6.50% | $30.65 |
| 48 | 6.75% | $23.83 |
| 60 | 7.00% | $19.80 |
New Motorcycles 2024, 2025 & 2026
| Maximum Term (Months) | APR | Monthly P&I Payment Per $1,000 |
|---|---|---|
| 24 | 6.00% | $44.32 |
| 36 | 6.00% | $30.42 |
| 48 | 6.25% | $23.60 |
| 60 | 6.50% | $19.57 |
| 72 | 6.75% | $16.93 |
| 84 | 7.00% | $15.09 |
Used Motorcycles 2017-2023
| Maximum Term (Months) | APR | Monthly P&I Payment Per $1,000 |
|---|---|---|
| 24 | 6.50% | $44.55 |
| 36 | 6.50% | $30.65 |
| 48 | 6.75% | $23.83 |
| 60 | 7.00% | $19.80 |
New Recreational Vehicle (Motor Homes, Campers, RVs, Trailers) 2024, 2025 & 2026
| Maximum Term (Months) | APR | Monthly P&I Payment Per $1,000 |
|---|---|---|
| 24 | 6.50% | $44.55 |
| 36 | 6.50% | $30.65 |
| 48 | 6.75% | $23.83 |
| 60 | 7.00% | $19.80 |
| 84 | 7.25% | $15.22 |
| 120 | 7.75% | $12.00 |
Used Recreational Vehicle (Motor Homes, Campers, RVs, Trailers) 2017-2023
| Maximum Term (Months) | APR | Monthly P&I Payment Per $1,000 |
|---|---|---|
| 24 | 7.00% | $44.77 |
| 36 | 7.00% | $30.88 |
| 48 | 7.25% | $24.06 |
| 60 | 7.50% | $20.04 |
| 84 | 7.75% | $15.46 |
| 120 | 8.25% | $12.27 |
New Boats 2024, 2025 & 2026
| Maximum Term (Months) | APR | Monthly P&I Payment Per $1,000 |
|---|---|---|
| 24 | 6.50% | $44.55 |
| 36 | 6.50% | $30.65 |
| 48 | 6.75% | $23.83 |
| 60 | 7.00% | $19.80 |
| 84 | 7.25% | $15.22 |
| 120 | 7.75% | $12.00 |
Used Boats 2017-2023
| Maximum Term (Months) | APR | Monthly P&I Payment Per $1,000 |
|---|---|---|
| 24 | 7.00% | $44.77 |
| 36 | 7.00% | $30.88 |
| 48 | 7.25% | $24.06 |
| 60 | 7.50% | $20.04 |
| 84 | 7.75% | $15.46 |
| 120 | 8.25% | $12.27 |
New ATV/UTV, Snowmobiles, Personal Watercraft, Dirt Bikes 2024, 2025 & 2026
| Maximum Term (Months) | APR | Monthly P&I Payment Per $1,000 |
|---|---|---|
| 24 | 6.50% | $44.55 |
| 36 | 6.50% | $30.65 |
| 48 | 6.75% | $23.83 |
| 60 | 7.00% | $19.80 |
Used ATV/UTV, Snowmobiles, Personal Watercraft, Dirt Bikes 2017-2023
| Maximum Term (Months) | APR | Monthly P&I Payment Per $1,000 |
|---|---|---|
| 24 | 7.00% | $44.77 |
| 36 | 7.00% | $30.88 |
| 48 | 7.25% | $24.06 |
| 60 | 7.50% | $20.04 |
New Lawn Equipment (Tractors, Mowers) 2024, 2025 & 2026
| Maximum Term (Months) | APR | Monthly P&I Payment Per $1,000 |
|---|---|---|
| 24 | 6.50% | $44.55 |
| 36 | 6.50% | $30.65 |
| 48 | 6.75% | $23.83 |
| 60 | 7.00% | $19.80 |
Used Lawn Equipment 2017-2023
| Maximum Term (Months) | APR | Monthly P&I Payment Per $1,000 |
|---|---|---|
| 24 | 7.00% | $44.77 |
| 36 | 7.00% | $30.88 |
| 48 | 7.25% | $24.06 |
| 60 | 7.50% | $20.04 |
Home Improvement
| Maximum Term (Months) | APR | Maximum Loan | Monthly P&I Payment Per $1,000 |
|---|---|---|---|
| 24 | 8.50% | $20,000 | $45.46 |
| 36 | 8.50% | $20,000 | $31.57 |
| 48 | 9.50% | $20,000 | $25.12 |
| 60 | 9.50% | $20,000 | $21.00 |
ADvantage Line of Credit
| APR | Maximum Term (Months) | Monthly P&I Payment Per $1,000 |
|---|---|---|
| Personal - Prime + 10.15% | N/A | N/A |
| Business - Prime + 10.15% | N/A | N/A |
Personal Loans Secured with:
| Account Type | APR | Maximum Term (Months) | Maximum Loan | Monthly P&I Payment Per $1,000 |
|---|---|---|---|---|
| Certificate of Deposit | 1.50% above CD rate | * | ** | N/A |
* ONLY Adirondack Bank CD's are accepted. Term length must match the length of the CD.
** Max. Loan Amount 95% of the pledged principal balance of instrument
Unsecured Personal Installment Loans
| Maximum Term (Months) | APR | Maximum Loan | Monthly P&I Payment Per $1,000 |
|---|---|---|---|
| 24 | 9.75% | $10,000 | $46.03 |
| 36 | 9.75% | $10,000 | $32.15 |
| 48 | 10.00% | $10,000 | $25.36 |
| 60 | 10.50% | $10,000 | $21.49 |
