Discover our Low Personal Loan Rates
Turn your plans into progress with competitive fixed rates, predictable payments, and fast access to funds.
Whether you’re consolidating debt, improving your home, or planning what’s next, an NBT Bank personal loan can help you move forward with confidence.
Whatever your reason, it starts here — with a loan designed around you.
- Low, promotional fixed rates
- Simple application process
- Online loan closing
- Fast access to funds
- Easy payment options
- Fixed, monthly payments
Ready to Get Started?
We’re with you every step of the way. Apply online in minutes, talk with your favorite NBT Banker or call 800.NBT.BANK today.
Hurry, these promotional rates end soon!
7.99% APR*
FOR A 48-MONTH LOAN TERM
8.99% APR*
FOR A 60-MONTH LOAN TERM
*The variable rate above reflects a discount of 0.50% for automatic payment from an NBT Bank Checking or Money Market Account and would increase if this condition is not met.
∧See below for rates and terms, payment examples and to see if you qualify.
∧Rates and terms. Rates shown are as of February 17, 2026. The 6.99% Annual Percentage Rate (APR) is for a 36-month loan term; the 7.99% Annual Percentage Rate (APR) is for a 48-month loan term; or the 8.99% APR is for a 60-month loan term.
Payment examples. On a $5,000 loan, the payment would be: $154.36 per month for 36 months with a 6.99% APR; $122.04 per month for 48 months with a 7.99% APR; or $103.77 per month for 60 months with a 8.99% APR.
To qualify. To qualify for the promotional rate: (1) the borrower must have an Experian FICO score of 730 or greater; (2) payments must be automatically deducted from an NBT Bank checking or money market account; (3) minimum loan amount of $2,500; and (4) maximum loan amount of $50,000. The promotional rate reflects a discount of 0.50% for automatic payment from an NBT Bank checking or money market account and would increase if conditions for the discount are not met. Other terms and conditions may apply depending on the loan terms offered or chosen. Your APR will be between 6.99% and 16.00% based on creditworthiness at time of application for loan terms of 36-60 months. Our lowest rates are available to consumers with the best credit. Many factors are used to determine your rate such as your credit history, application information and terms offered. This limited time offer ends March 20, 2026. This is not a commitment to lend.
