Loan Rates

Effective Date 5/18/22

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 2.75% 100% $5,000 $75,000 $42.87
36 2.75% 100% $5,000 $75,000 $28.97
48 3.00% 100% $5,000 $75,000 $22.13
60 3.24% 100% $5,000 $75,000 $18.08
72 3.50% 100% $5,000 $75,000 $15.42

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 3.00% 100% $5,000 $75,000 $42.98
36 3.00% 100% $5,000 $75,000 $29.08
48 3.24% 100% $5,000 $75,000 $22.24
60 3.50% 100% $5,000 $75,000 $18.19

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 2.75% 100% $4,000 $50,000 $42.87
36 2.75% 100% $4,000 $50,000 $28.97
48 3.00% 100% $4,000 $50,000 $22.13
60 3.24% 100% $4,000 $50,000 $18.08
72 3.50% 100% $4,000 $50,000 $15.42

Used Motorcycles 2013-2019

Maximum Term (Months) APR Max Loan to Value Minimum Loan Maximum Loan Monthly P&I Payment Per $1,000
24 3.00% 100% $4,000 $50,000 $42.98
36 3.00% 100% $4,000 $50,000 $29.08
48 3.24% 100% $4,000 $50,000 $22.24
60 3.50% 100% $4,000 $50,000 $18.19

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 4.24% 100% $5,000 $75,000 $43.53
36 4.24% 100% $5,000 $75,000 $29.63
48 4.50% 100% $5,000 $75,000 $22.80
60 4.75% 100% $5,000 $75,000 $18.76
84 5.00% 100% $5,000 $75,000 $14.13
120 5.50% 100% $5,000 $75,000 $10.85

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 4.50% 100% $5,000 $50,000 $43.65
36 4.50% 100% $5,000 $50,000 $29.75
48 4.75% 100% $5,000 $50,000 $22.92
60 5.00% 100% $5,000 $50,000 $18.87
84 5.25% 100% $5,000 $50,000 $14.25
120 5.75% 100% $5,000 $50,000 $10.98

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 4.24% 100% $5,000 $75,000 $43.53
36 4.24% 100% $5,000 $75,000 $29.63
48 4.50% 100% $5,000 $75,000 $22.80
60 4.75% 100% $5,000 $75,000 $18.76
84 5.00% 100% $5,000 $75,000 $14.13
120 5.50% 100% $5,000 $75,000 $10.85

Used Boats 2013-2019

Maximum Term (Months) APR Max Loan to Value Minimum Loan Maximum Loan Monthly P&I Payment Per $1,000
24 4.50% 100% $5,000 $50,000 $43.65
36 4.50% 100% $5,000 $50,000 $29.75
48 4.75% 100% $5,000 $50,000 $22.92
60 5.00% 100% $5,000 $50,000 $18.87
84 5.25% 100% $5,000 $50,000 $14.25
120 5.75% 100% $5,000 $50,000 $10.98

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 4.24% 100% $4,000 $30,000 $43.53
36 4.24% 100% $4,000 $30,000 $29.63
48 4.50% 100% $4,000 $30,000 $22.80
60 4.75% 100% $4,000 $30,000 $18.76

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 4.50% 100% $4,000 $20,000 $43.65
36 4.50% 100% $4,000 $20,000 $29.75
48 4.75% 100% $4,000 $20,000 $22.92
60 5.00% 100% $4,000 $20,000 $18.87

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 4.24% 100% $4,000 $50,000 $43.53
36 4.24% 100% $4,000 $50,000 $29.63
48 4.50% 100% $4,000 $50,000 $22.80
60 4.75% 100% $4,000 $50,000 $18.76

Used Lawn Equipment 2013-2019

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 4.50% 100% $4,000 $20,000 $43.65
36 4.50% 100% $4,000 $20,000 $29.75
48 4.75% 100% $4,000 $20,000 $22.92
60 5.00% 100% $4,000 $20,000 $18.87

Home Improvement

Maximum Term (Months) APR Max Loan to Value Minimum Loan Maximum Loan Monthly P&I Payment Per $1,000
24 5.75% N/A $2,500 $20,000 $44.21
36 5.75% N/A $2,500 $20,000 $30.31
48 6.25% N/A $2,500 $20,000 $23.60
60 6.25% N/A $2,500 $20,000 $19.45

ADvantage Line of Credit

APR Maximum Term (Months) Max Loan to Value Minimum Loan Maximum Loan Monthly P&I Payment Per $1,000
Personal - Prime + 10.15% N/A N/A $1,500 $7,500 N/A
Business - Prime + 10.15% 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 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 6.75% N/A $2,500 $10,000 $44.66
36 6.75% N/A $2,500 $10,000 $30.76
48 7.25% N/A $2,500 $10,000 $24.06
60 7.75% N/A $2,500 $10,000 $20.16
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