Consumer Loan Rates

Effective Date: 07/28/2021

New Cars & Trucks 2020, 2021 & 2022 

Maximum Term (Months)

APR

Max Loan to Value

Minimum Loan

Maximum Loan

Monthly P&I Payment Per $1,000

24

2.50%

100%

$5,000

$75,000

$42.76

36

2.50%

100%

$5,000

$75,000

$28.86

48

2.75%

100%

$5,000

$75,000

$22.02

60

2.99%

100%

$5,000

$75,000

$17.96

72

3.25%

100%

$5,000

$75,000

$15.31

Used Cars & Trucks 2013-2019

Maximum Term (Months)

APR

Max Loan to Value

Minimum Loan

Maximum Loan

Monthly P&I Payment Per $1,000

24

2.75%

100%

$5,000

$75,000

$42.87

36

2.75%

100%

$5,000

$75,000

$28.97

48

2.99%

100%

$5,000

$75,000

$22.13

60

3.25%

100%

$5,000

$75,000

$18.08

 

New Motorcycles 2020, 2021 & 2022

Maximum Term (Months)

APR

Max Loan to Value

Minimum Loan

Maximum Loan

Monthly P&I Payment Per $1,000

24

2.50%

100%

$4,000

$50,000

$42.76

36

2.50%

100%

$4,000

$50,000

$28.86

48

2.75%

100%

$4,000

$50,000

$22.02

60

2.99%

100%

$4,000

$50,000

$17.96

72

3.25%

100%

$4,000

$50,000

$15.31

Used Motorcycles  2013-2019

Maximum Term (Months)

APR

Max Loan to Value

Minimum Loan

Maximum Loan

Monthly P&I Payment Per $1,000

24

2.75%

100%

$4,000

$50,000

$42.87

36

2.75%

100%

$4,000

$50,000

$28.97

48

2.99%

100%

$4,000

$50,000

$22.13

60

3.25%

100%

$4,000

$50,000

$18.08

 

New Recreational Vehicle (Motor Homes, Campers, RVs, Trailers) 2020, 2021 & 2022

Maximum Term (Months)

APR

Max Loan to Value

Minimum Loan

Maximum Loan

Monthly P&I Payment Per $1,000

24

3.99%

100%

$5,000

$75,000

$43.42

36

3.99%

100%

$5,000

$75,000

$29.52

48

4.25%

100%

$5,000

$75,000

$22.69

60

4.50%

100%

$5,000

$75,000

$18.64

84

4.75%

100%

$5,000

$75,000

$14.02

120

5.25%

100%

$5,000

$75,000

$10.73

Used Recreational Vehicle (Motor Homes, Campers, RVs, Trailers) 2013-2019

Maximum Term (Months)

APR

Max Loan to Value

Minimum Loan

Maximum Loan

Monthly P&I Payment Per $1,000

24

4.25%

100%

$5,000

$50,000

$43.54

36

4.25%

100%

$5,000

$50,000

$29.64

48

4.50%

100%

$5,000

$50,000

$22.80

60

4.75%

100%

$5,000

$50,000

$18.76

84

5.00%

100%

$5,000

$50,000

$14.13

120

5.50%

100%

$5,000

$50,000

$10.85

 

New Boats 2020, 2021 & 2022

Maximum Term (Months)

APR

Max Loan to Value

Minimum Loan

Maximum Loan

Monthly P&I Payment Per $1,000

24

3.99%

100%

$5,000

$75,000

$43.42

36

3.99%

100%

$5,000

$75,000

$29.52

48

4.25%

100%

$5,000

$75,000

$22.69

60

4.50%

100%

$5,000

$75,000

$18.64

84

4.75%

100%

$5,000

$75,000

$14.02

120

5.25%

100%

$5,000

$75,000

$10.73

Used Boats  2013-2019

Maximum Term (Months)

APR

Max Loan to Value

Minimum Loan

Maximum Loan

Monthly P&I Payment Per $1,000

24

4.25%

100%

$5,000

$50,000

$43.54

36

4.25%

100%

$5,000

$50,000

$29.64

48

4.50%

100%

$5,000

$50,000

$22.80

60

4.75%

100%

$5,000

$50,000

$18.76

84

5.00%

100%

$5,000

$50,000

$14.13

120

5.50%

100%

$5,000

$50,000

$10.85

New ATV/UTV, Snowmobiles, Personal Watercraft, Dirt Bikes 2020, 2021 & 2022

Maximum Term (Months)

APR

Max Loan to Value

Minimum Loan

Maximum Loan

Monthly P&I Payment Per $1,000

24

3.99%

100%

$4,000

$30,000

$43.42

36

3.99%

100%

$4,000

$30,000

$29.52

48

4.25%

100%

$4,000

$30,000

$22.69

60

4.50%

100%

$4,000

$30,000

$18.64

Used ATV/UTV, Snowmobiles, Personal Watercraft, Dirt Bikes 2013-2019

Maximum Term (Months)

APR

Max Loan to Value

Minimum Loan

Maximum Loan

Monthly P&I Payment Per $1,000

24

4.25%

100%

$4,000

$20,000

$43.54

36

4.25%

100%

$4,000

$20,000

$29.64

48

4.50%

100%

$4,000

$20,000

$22.80

60

4.75%

100%

$4,000

$20,000

$18.76

New Lawn Equipment (Tractors, Mowers) 2020, 2021 & 2022

Maximum Term (Months)

APR

Max Loan to Value

Minimum Loan

Maximum Loan

Monthly P&I Payment Per $1,000

24

3.99%

100%

$4,000

$50,000

$43.42

36

3.99%

100%

$4,000

$50,000

$29.52

48

4.25%

100%

$4,000

$50,000

$22.69

60

4.50%

100%

$4,000

$50,000

$18.64

Used Lawn Equipment 2013-2019

Maximum Term (Months)

APR

Max Loan to Value

Minimum Loan

Maximum Loan

Monthly P&I Payment Per $1,000

24

4.25%

100%

$4,000

$20,000

$43.54

36

4.25%

100%

$4,000

$20,000

$29.64

48

4.50%

100%

$4,000

$20,000

$22.80

60

4.75%

100%

$4,000

$20,000

$18.76

Home Improvement       

Maximum Term (Months)

APR

Max Loan to Value

Minimum Loan

Maximum Loan*

Monthly P&I Payment Per $1,000

 24

 5.50%

N/A 

$2,500 

$20,000 

$44.10

36

5.50%

N/A

$2,500

$20,000

$30.20

48

6.00%

N/A

$2,500

$20,000

$23.49

60

6.00%

N/A

$2,500

$20,000

$19.33

 

ADvantage Line of Credit

APR

Maximum Term (Months)

Max Loan to Value

Minimum Loan

Maximum Loan

Monthly P&I Payment Per $1,000

13.15% - Personal

N/A

N/A

$1,500

$7,500

N/A

 13.15% - Business

N/A 

 N/A

 $2,500

 $10,000

N/A 

 

Personal Loans Secured with:

Account

 Type

APR

Maximum Term (Months)

Max Loan to Value

Minimum Loan

Maximum Loan

Monthly P&I Payment Per $1,000

Certificate of Deposit

1.50%

*

95%

$2,500

**

N/A

* ONLY Adirondack Bank CD's are accepted. Term length must match or exceed the length of the CD.
** Max. Loan Amount 95% of the pledged principal balance of instrument

Unsecured Personal Installment Loans

Maximum Term (Months)

APR

Max Loan to Value

Minimum Loan

Maximum Loan

Monthly P&I Payment Per $1,000

24

6.50%

N/A

$2,500

$10,000

$44.55

36

6.50%

N/A

$2,500

$10,000

$30.65

48

7.00%

N/A

$2,500

$10,000

$23.95

60

7.50%

N/A

$2,500

$10,000

$20.04

 

APR = Annual Percentage Rate
Monthly P & I (Principal and Interest) for the chart above is provided for purpose of illustration.
To calculate your monthly principal and interest payment using the chart above, simply multiply the dollar
figure in the last column by the loan amount desired and divide by 1,000.
ADvantage Line of Credit APR is subject to change from time to time based on changes in an independent index
which is the Wall Street Prime Rate.
Rates quoted are Adirondack Bank's best available rates. Loan rates and terms are determined by overall credit score and are subject to change. Applications are subject to credit approval.

 

 

 

 

 

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