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Fixed-Rate Personal Loan

Life goes fast...enjoy it!

We can help with this special, limited-time offer!

Life goes fast so make your goals and dreams possible with some help from NBT Bank.

A personal loan can be used to consolidate debt, or finance home improvements, wedding plans, vacations and more.

We offer:

  • Low, promotional rates
  • Simple application process
  • Easy payment options

Click the “Apply Now” button below or let’s talk! Call your favorite NBT Banker or 800.NBT.BANK (800-628-2265) for more details.

Promotional Rates


4.99% APR*




7.99% APR*



*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 important information.


You can choose to stop receiving "prescreened" offers of credit from this and other companies by calling toll-free 1.888.5.OPT.OUT.

See PRESCREEN & OPT-OUT NOTICE below for more information about prescreened offers.

Rates and terms. Rates shown are as of March 1, 2019. The 4.99% Annual Percentage Rate (APR) is for a 36-month loan term. The 7.99% APR is for a 60-month loan term. Payment examples. On a $5,000 loan, the payment would be $149.80 per month for 36 months with a 4.99% APR. On a $5,000 loan, the payment would be $101.33 per month for 60 months with a 7.99% APR. To Qualify. To qualify for the promotional rate: (1) the borrower must have an Experian FICO score of 680 or greater; (2) payments must be automatically deducted from an NBT Bank checking or money market account; (3) minimum loan amount of $2,500; (4) maximum loan amount of $20,000; and (5) loan term is not less than 6 months. 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. This limited time offer ends April 30, 2019.


Enter Special Offer Promo Code: SPRING2019
Offer expires April 30, 2019

The “prescreened” offer of credit is based on information in your credit report indicating that you meet certain criteria. This offer is not guaranteed if you do not meet our criteria. If you do not want to receive prescreened offers of credit from this and other companies, call the consumer reporting agencies toll-free, 1.888.5.OPT.OUT (1.888.567.8688); or write: TransUnion Name Removal Option, P.O. Box 505, Woodlyn, PA 19094; Equifax Information Service Center, P.O. Box 740123, Atlanta, GA 30374-0123; or Experian Direct Marketing, P.O. Box 919, Allen, TX 75013.

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