Personal Loans rates


Karrot Personal Loans - Rates

*Lowest APR available on approved credit. Your actual APR may be different. The APR is based on borrower credit profile (as reported to NBT Bank by an outside reporting agency), collateral type, loan amount, term, lien position, and loan to value ratio. APR shown is current as of and is subject to change.

Rates assume payments will be automatically deducted from an NBT Bank checking or money market account. Add .50% to the rate if the automatic payment feature is not selected. To qualify for this rate, the minimum loan amount is $4, 000, minimum credit score is 740 (730 for automobile loans), and maximum term is 36 months (63 months for automobile loans). Call 800-628-2265 for the actual APR for your loan.

NBT Bank loans are only available in Massachusetts, New Hampshire, New York, Pennsylvania and Vermont.

Payment Examples:

Personal Loan Secured: On a $10, 000 secured personal loan the payment would be $306.52 per month for 36 months with a 6.50% APR.

Personal Loan Unsecured: On a $7, 500 loan, the payment would be $231.57 per month for 36 months with a 6.99% APR.

New Automobile Loan: On a $15, 000 loan, the payment would be $442.16 per month for 36 months with a 3.890% APR.

Used Automobile Loan: On a $15, 000 loan, the payment would be $442.16 per month for 36 months with a 3.890% APR.

Interesting facts

  • Net interest income (NII) is the difference between revenues generated by interest-bearing assets and the cost of servicing (interest-burdened) liabilities. For banks, the assets typically include commercial and personal loans, mortgages, construction loans and investment securities. The liabilities consist primarily of customers' deposits. NII...
  • Cooperative banking is retail and commercial banking organized on a cooperative basis. Cooperative banking institutions take deposits and lend money in most parts of the world.
    Cooperative banking, as discussed here, includes retail banking carried out by credit unions, mutual savings banks, building societies and cooperatives, as well as...

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Popular Q&A

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Where is a good place to find a calculator for personal loans.

Bank Site lets you calculate your loan based on the amount, the term of the loan, and the interest you must pay. It will tell you what your monthly payment will be. However, if you are shopping around for a good loan, sites like Mint allow you to see numerous loan options from various banks.