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Personal Loan Payment Options

At NBT Bank, what counts to you counts to us. In today’s fast-paced world, finding the time to make your payments can be a challenge. That’s why we offer our personal banking customers a number of convenient options to pay your installment loan, car loan, line of credit or mortgage.

Payment Option Features

Online
(Pay Your Loan)

  • Make one-time payments with a debit or credit card
  • Payments also accepted via electronic check
  • No need to register
  • No fee for on-time payments*
  • Simply enter your loan account number, zip code and email address to begin

Online
(NBT Online Banker)

  • Set up a one-time or recurring payment as a transfer from your checking or savings account to your loan account
  • Must be enrolled in NBT Online Banker

By Phone
(Automated Service)

  • Make one-time payments with a debit or credit card
  • Payments also accepted via electronic check
  • No need to register
  • No fee for on-time payments*
  • Call 855.805.9588 to access this service

By Mail

  • Mail your payment to us at NBT Bank Loan Operations, P.O. Box 149, Canajoharie, N.Y. 13317
  • Write your loan account number in the memo line of your check

In Person

  • Make your payment at any NBT Bank office
  • Visit our Locations page to find one near you

Call Center

  • Call 800.NBT.BANK (800.628.2265) to speak to a Call Center representative
  • Make one-time payments with a debit or credit card
  • Fee of $14.95 for on-time payments*
  • Visit our Contact page for hours of availability
*If your payment is late, you will incur the regular late payment fee plus an additional charge of $16.95. A payment is considered late ten (10) days after the date it is due.

Questions?

If you have any questions about the personal loan payment options listed above, please review our Frequently Asked Questions or contact our Call Center at 800.NBT.BANK (800.628.2265).