Consumer Loan Rates

Gouverneur Savings and Loan Association has a wide variety of personal finance solutions to meet your needs and we will help you as your needs change through the years.

* Rates below effective as of 11/8/2017 and are subject to change

Personal Loans

Minimum Loan $1,500, Minimum Payment $75.00

Type Term Rate %APR Sample Payment *
Personal/Secured-other than mortgage
must be 100% secured
5 Years 7.99% $101.37
Personal/Unsecured 5 Years 11.00% $108.72
Consolidation of Debt/Secured
must be 100% secured
5 Years 13.25% $114.41

*Sample payments based on $5,000 loan. The Annual Percentage Rate is the advertised rate.

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Home Improvement Loans

Minimum Loan $1,500, Minimum Payment $75.00

Type Term Rate %APR Sample Payment*
Home Improvement / Secured-other than mortgage
90% of work to be proven by work orders, materials, etc...
5 Years 7.25% $99.60
Home Improvement / Unsecured
90% of work to be proven by work orders, materials, etc...
5 Years 9.25% $104.41

*Sample payments based on $5,000 loan. The Annual Percentage Rate is the advertised rate.

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New Automobile & Motorcycle Loan - 15,000 Miles or Less

Term Credit Score
700 & Over
Sample
Payment*
Credit Score
650 - 699
Sample
Payment*
Credit Score
649 & Less
Sample
Payment*
48 Months 2.99% $331.95 3.39% $334.62 9.99% $380.37
60 Months 3.29% $271.47 3.75% $274.58 9.99% $318.63
72 Months 3.49% $231.23 4.09% $235.31 9.99% $277.85

- VSI charge is $45.00

*Sample payments based on $15,000 loan. The Annual Percentage Rate is the advertised rate and can vary based on creditworthiness, age of vehicle and terms of the loan.

Ask about our Guaranteed Asset Protection (GAP)

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Used Automobile & Motorcycle Loan

Year Term Credit Score
700 & Over
Sample
Payment*
Credit Score
650 - 699
Sample
Payment*
Credit Score
649 & Less
Sample
Payment*
2016-17 48 Months 2.99% $331.95 3.39% $334.62 9.99% $380.37
2016-17 60 Months 3.29% $271.47 3.75% $274.58 9.99% $318.63
2016-17 72 Months 3.49% $231.23 4.09% $235.31 9.99% $277.85
2015 48 Months 3.29% $333.94 3.99% $338.64 9.99% $380.37
2015 66 Months 3.29% $248.78 4.09% $254.20 9.99% $296.37
2014 48 Months 3.29% $333.94 4.29% $340.64 9.99% $380.37
2014 60 Months 3.29% $271.47 4.29% $278.22 9.99% $318.63
2013 48 Months 3.59% $335.94 4.59% $342.66 9.99% $380.37
2013 60 Months 3.59% $273.48 4.59% $280.26 9.99% $318.63
2012 36 Months 3.59% $440.13 4.59% $446.81 9.99% $483.94
2012 48 Months 3.59% $335.94 5.00% $345.46 9.99% $380.37
2011 36 Months 5.25% $451.25 6.25% $458.03 10.25% $485.77
2011 42 Months 5.75% $395.14 6.50% $400.27 10.50% $428.32

- VSI charge is $45.00

*Sample payments based on $15,000 loan. The Annual Percentage Rate is the advertised rate and can vary based on creditworthiness, age of vehicle and terms of the loan.

Ask about our Guaranteed Asset Protection (GAP)

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Campers & Boats
(Preferred With Trailer)

Use Personal Loan Rates If Less Than $5,000

Year Term Rate %APR Sample Payment*
2016-17 60 Months 6.75% $393.68
> $8,500 120 Months 7.75% $240.06
2012-15 60 Months 6.75% $393.68
> $8,500 120 Months 8.25% $245.34
2007-11 60 Months 8.00% $405.54
> $8,500 120 Months 9.75% $261.58
Older than 2006 Personal Loan Rates Apply

- VSI charge is $45.00

*Sample payments based on $20,000 loan. The Annual Percentage Rate is the advertised rate.

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Recreational Vehicle

Year Term Rate %APR Sample Payment*
2016-17 60 Months 5.49% $95.49
2014-15 48 Months 6.25% $118.00
2012-13 36 Months 7.25% $154.96
Older than 2012 24 Months 8.00% $226.13

- VSI charge is $45.00

*Sample payments based on $5,000 loan. The Annual Percentage Rate is the advertised rate.

Request More Information Calculate Your Payment Consumer Loan Application