Personal loans for dreams, needs, and the unexpected
When you need extra flexibility, our personal loans offer financing that fits within your needs, allowing you to cover major expenses, simplify debt, or fund your next adventure.
A loan for whatever comes your way
Every journey is different. Personal loans can help cover the costs of everything from dream travel to emergency home repairs. At Newburyport Bank, you get ease, support, and options to fit what’s next.
Compare our personal loan options
Unsecured Personal Loan | Cash Secured Loan | Personal Overdraft Line of Credit4 | Credit Builder Loan | |
|---|---|---|---|---|
APR | 11.00%¹ | 3.25%² | 16.00%5 | 5.00%6 |
Term | Up to 48 months | Up to 60 months | Revolving line of credit | 12-24 Months |
Monthly payment per $1,000 borrowed | $21.75³ | $18.08³ | $25.00 (Minimum payment) | $43.873 |
Minimum & maximum loan amount | $1,000.00-$20,000.00 | $1,000.00-$500,000.00 | $500.00-$2,500.00 | $600-$2,500 |
What it’s best for | Financing for various needs, from travel to emergencies, and more. | Utilize the funds in your savings account or CD to secure a lower rate. | Provides a financial safety net, helping prevent declined transactions and overdraft charges. | Helps build or strengthen your credit score by demonstrating a history of on-time payments |
| Apply Online | Apply Online | Apply Online | Apply Online |
1 Annual Percentage Rate (APR) as of 10/08/2026 may be as low as 11.00% and is subject to change without notice. APRs assume excellent borrower credit history. Your actual APR may differ based upon your credit history, loan amount and term. All loans are subject to credit approval. Terms and conditions are subject to change without notice. The displayed rate reflects a discount of 0.25% reduction in rate for auto-payment from a Newburyport Bank deposit account.
2 Annual Percentage Rate (APR) as of 10/08/2026 may be as low as 3.25% and is subject to change without notice. APRs assume excellent borrower credit history. Your actual APR may differ based upon your credit history, loan amount and term. All loans are subject to credit approval. Terms and conditions are subject to change without notice.
3 Principal and interest payment based on lowest rate and maximum term.
4 Personal Overdraft Line of Credit includes a $25.00 annual fee that is assessed in January.
5 Annual Percentage Rate (APR) as of 10/08/2026 may be as low as 16.00% and is subject to change without notice. APRs assume excellent borrower credit history. Your actual APR may differ based upon your credit history, loan amount and term. All loans are subject to credit approval. Terms and conditions are subject to change without notice.
6 Annual Percentage Rate (APR) as of 10/08/2026 is 5.00%. To qualify for a loan, the applicant must open a savings account with Newburyport Bank. Credit builder loan terms are available from 12-24 months. Terms and conditions are subject to change without notice.
2 Annual Percentage Rate (APR) as of 10/08/2026 may be as low as 3.25% and is subject to change without notice. APRs assume excellent borrower credit history. Your actual APR may differ based upon your credit history, loan amount and term. All loans are subject to credit approval. Terms and conditions are subject to change without notice.
3 Principal and interest payment based on lowest rate and maximum term.
4 Personal Overdraft Line of Credit includes a $25.00 annual fee that is assessed in January.
5 Annual Percentage Rate (APR) as of 10/08/2026 may be as low as 16.00% and is subject to change without notice. APRs assume excellent borrower credit history. Your actual APR may differ based upon your credit history, loan amount and term. All loans are subject to credit approval. Terms and conditions are subject to change without notice.
6 Annual Percentage Rate (APR) as of 10/08/2026 is 5.00%. To qualify for a loan, the applicant must open a savings account with Newburyport Bank. Credit builder loan terms are available from 12-24 months. Terms and conditions are subject to change without notice.
Personal Loans FAQs
What can a personal loan be used for?
Personal loans offer flexibility and can be used for a wide range of purposes, including consolidating debt, covering major expenses, or managing unexpected costs.
What’s the difference between unsecured and cash-secured personal loans?
An unsecured personal loan does not require collateral. A cash-secured loan uses funds in a savings account or CD as collateral.
How are personal loan rates determined?
Rates are based on factors such as credit history, loan amount, term length, and the type of loan selected.
Can I apply for a personal loan online?
Yes. You can begin your application online or speak directly with a local lender for personalized guidance.
