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Personal Loans

A Helping Hand for Whatever Life Throws Your Way

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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.
  • Credit Builder Loan - They 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
Unsecured Personal Loan 7.75%-10.00%1Up to 60 Months$20.164$1,000-$25,000Apply Now
Cash Secured Loan

3.25%-9.00%2

Up to 60 Months$18.084$1,000-$50,000Apply Now
Credit Builder Loan5.00%3Up to 24 Months$43.874$1,000-$5,000Apply Now

Annual percentage rate as of 4/1/21 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 4/1/21 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
Annual percentage rate as of 4/1/21 is 5.00%. To qualify for a loan, 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.

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