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Special Limited-Time Loan Offer

Hurry this promotional rate ends soon!

Let the adventure begin! Make your goals and dreams possible with some help from NBT Bank.

A personal loan can be used to consolidate debt, finance home improvements, 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.

Home Improvement and  Debt Reduction Icons Vacations and More Icons

Promotional Rates


4.99% APR*




6.99% 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.


Rates and terms. Rates shown are as of July 22, 2019. The 4.99% Annual Percentage Rate (APR) is for a 36-month loan term; the 6.99% Annual Percentage Rate (APR) is for a 48-month loan term; or 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; $119.73 per month for 48 months with a 6.99% APR; or $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; and (4) maximum loan amount of $20,000. 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 August 31, 2019.


Enter Special Offer Promo Code: JULY19PERSONAL
Offer expires August 31, 2019


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