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Personal Loans


A Helping Hand for Whatever Life Throws Your Way

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Personal Loans

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Credit building

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debt consolidation

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Personal Loans – Flexible Financing for Large Costs

Big moments in life generally mean big costs. From new furniture or a large appliance to consolidating debt, a personal loan designed for your financial situation can be a huge help. Our team will work with you to create the exact solution you need.

  • Unsecured Personal Loan - Financing for your various needs from an education to wedding - or even a vacation.
  • Cash Secured Loan - Use your own funds that are sitting in your savings account or in a CD as collateral to borrow money at a lower interest rate.
  • Overdraft Checking Reserve Line of Credit - Protects you in the event you don't have enough cash in your account to cover a debit or ATM withdrawal.

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Mortgage Rates
Loan TypeAPRTERMMonthly payment per $1,000 borrowedminimum & Maximum loan amountApply
Unsecured Personal Loan 7.75%-10.00%1Up to 60 Months$20.163$1,000-$25,000Apply Now
Cash Secured Loan

3.25%-9.00%2

Up to 60 Months$18.083$1,000-$50,000Apply Now

Overdraft Checking Reserve Line of Credit5:
 APR4: Fixed Rate Between 16.00% - 18.00%
TERM: Open - Revolving Line of Credit
MINIMUM PAYMENT: $25.00
MINIMUM & MAXIMUM CREDIT LIMIT:
$500 - $2500

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Annual percentage rate as of 7/1/21 may be as low as 7.75% or as high as 10.00%. To qualify for the lowest rate and receive a 0.50% rate reduction, applicants must have a credit score of 800+ and have an automatic payment transfer from a Newburyport Bank deposit account. Subject to credit approval. A higher APR or shorter repayment term may apply if applicant does not qualify. Terms and conditions are subject to change without notice. 
Annual percentage rate as of 7/1/21 may be as low as 3.25% or as high as 9.00%. To qualify for a loan, applicant must open a CD/Savings account with Newburyport Bank. Collateral installment loan terms are available from 12-60 months. Cash secured loan rate is equal interest rate (APY) of the collateral (CD/savings account, etc.) plus 3.00%. The minimum loan rate is 3.25%. Terms and conditions are subject to change without notice.
Principal and interest payment based on lowest rate and maximum term.
4 APR and credit limit is subject to credit approval and the creditworthiness of the applicant(s). Terms and conditions are subject to change without notice.
Overdraft Checking Reserve Line of Credit includes a $25.00 annual fee that is assessed in January.

Credit Building – A Loan to Help Rebuild Your Credit

Credit Builder Loan - The money you borrow is held in a bank account while you make payments.  When the loan is paid off, the money is released to you.

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Mortgage Rates
Loan TypeAPRTERMMonthly payment per $1,000 borrowedminimum & Maximum loan amountApply
Credit Builder Loan5.00%1Up to 24 Months$43.872$1,000-$5,000Apply Now

Annual percentage rate as of 7/1/21 is 5.00%. To qualify for a loan, the applicant must open a CD/Savings account with Newburyport Bank. Credit builder loan terms are available from 12-24 months. Terms and conditions are subject to change without notice.
Principal and interest payment based on lowest rate and maximum term.

Debt Consolidation – Flexible Financing for Large Costs

Big moments in life generally mean big costs. From new furniture or a large appliance to consolidating debt, a personal loan designed for your financial situation can be a huge help. Our team will work with you to create the exact solution you need.

Apply Now

Mortgage Rates
Loan TypeAPRTERMMonthly payment per $1,000 borrowedminimum & Maximum loan amountApply
Unsecured Personal Loan 7.75%-10.00%1Up to 60 Months$20.163$1,000-$25,000Apply Now
Cash Secured Loan

3.25%-9.00%2

Up to 60 Months$18.083$1,000-$50,000Apply Now

Annual percentage rate as of 7/1/21 may be as low as 7.75% or as high as 10.00%. To qualify for the lowest rate and receive a 0.50% rate reduction, applicants must have a credit score of 800+ and have an automatic payment transfer from a Newburyport Bank deposit account. Subject to credit approval. A higher APR or shorter repayment term may apply if applicant does not qualify. Terms and conditions are subject to change without notice. 
Annual percentage rate as of 7/1/21 may be as low as 3.25% or as high as 9.00%. To qualify for a loan, applicant must open a CD/Savings account with Newburyport Bank. Collateral installment loan terms are available from 12-60 months. Cash secured loan rate is equal interest rate (APY) of the collateral (CD/savings account, etc.) plus 3.00%. The minimum loan rate is 3.25%. Terms and conditions are subject to change without notice
Principal and interest payment based on lowest rate and maximum term.

Online Services

Financial freedom isn't just about having enough money, but being in control. Online and mobile banking provides 24/7 access to your accounts and the tools to help you manage your money on your terms. Bank anytime.

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Ready to apply for your loan? Perfect! Click the button below to get started on your online loan application.

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