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 09/14/2021 and are subject to change

Personal Loans

Minimum Loan $1,500, Minimum Payment $100.00

Type Term Rate %APR Sample Payment *
Personal/Secured-other than mortgage
must be 100% secured
60 Months 7.99% $101.37
Type Term Credit Score740 & Over Sample
Payment *
Credit Score700-739 Sample
Payment *
Credit Score699 & Less Sample
Payment *
Personal/Unsecured 36 Months 9.00% $159.01 10.00% $161.35 15.00% $173.35

*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 $100.00

Type Term Rate %APR Sample Payment*
Home Improvement / Secured-other than mortgage
90% of work to be proven by work orders, materials, etc...
60 mos 7.25% $99.60
Home Improvement / Unsecured
90% of work to be proven by work orders, materials, etc...
60 mos 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 Score740 & Over Sample
Payment*
Credit Score700 - 739 Sample
Payment*
Credit Score650 - 699 Sample
Payment*
Credit Score649 & Less Sample
Payment*
48 Months 2.50% $328.73 3.10% $332.67 4.10% $339.37 9.99% $380.40
60 Months 2.50% $266.23 3.50% $272.87 4.50% $279.67 9.99% $318.67
72 Months 2.50% $224.58 3.75% $232.97 4.90% $240.88 9.99% $277.86
84 Months 3.25%  $333.19

- VSI charge is $45.00
*Sample payments based on $15,000 loan. 84 month term based on $25,000.00 sample payment. The Annual Percentage Rate is the advertised rate and can vary based on creditworthiness, age of vehicle and terms of the loan.

To qualify for the 84 month term, loan request must be $25,000.00 or greater. 

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Used Automobile & Motorcycle Loan

Year Term Credit Score740 & Over Sample
Payment*
Credit Score700 - 739 Sample
Payment*
Credit Score650 - 699 Sample
Payment*
Credit Score649 & Less Sample
Payment*
2020-21 48 Months 2.50% $328.73 3.50% $335.33 4.20% $340.01 9.99% $380.40
2020-21 60 Months 2.50% $266.23 3.50% $272.87 4.50% $279.67 9.99% $318.67
2020-21 72 Months 2.50% $224.58 4.00% $234.67 5.10% $242.26 9.99% $277.86
2020-21 84 Months 3.25% $333.19
2019 48 Months 2.75% $330.38 3.50% $335.35 4.95% $345.12 9.99% $380.40
2019 66 Months 2.75% $245.17 3.50% $250.20 4.99% $260.38 9.99% $296.37
2018 48 Months 2.75% $330.38 3.50% $335.35 4.95% $345.12 9.99% $380.40
2018 60 Months 2.75% $267.89 3.75% $274.58 5.25% $284.81 9.99% $318.67
2017 48 Months 3.25% $333.70 3.99% $338.64 5.10% $346.14 9.99% $380.40
2017 60 Months 3.25% $271.22 3.99% $276.20 5.40% $285.85 9.99% $318.67
2016 36 Months 3.25% $437.89 4.50% $446.22 5.40% $452.29 9.99% $483.98
2016 48 Months 3.25% $333.70 4.50% $342.07 5.75% $350.58 9.99% $380.40
2015 36 Months 3.75% $441.22 5.65% $453.98 6.75% $461.47 10.25% $485.81
2015 42 Months 3.75% $381.68 6.25% $398.58 7.00% $403.74 10.50% $428.36

- VSI charge is $45.00
*Sample payments based on $15,000 loan. 84 month term based on $25,000.00 sample payment. The Annual Percentage Rate is the advertised rate and can vary based on creditworthiness, age of vehicle and terms of the loan.

To qualify for the 84 month term, loan request must be $25,000.00 or greater.

Older than 2015 - Personal Loan Rates Apply - Maximum 42 Months

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Campers & Boats
(Preferred With Trailer)

Use Personal Loan Rates If Less Than $5,000

Year Term Credit Score740 & Over Sample
Payment*
Credit Score739 & Less Sample
Payment*
2020-21 60 Months 4.75% $375.17 5.75% $384.37
> $8,500 120 Months 4.75% $209.73 5.75% $219.58
2016-19 60 Months 5.25% $379.76 6.25% $389.03
> $8,500 120 Months 5.25% $214.62 6.25% $224.61
2011-15 60 Months 6.25% $389.03 6.75% $393.72
> $8,500 120 Months 6.25% $224.61 6.75% $229.70

Older than 2011 - 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 Credit Score740 & Over Sample
Payment*
Credit Score739 & Less Sample
Payment*
2020-21 60 Months 3.50% $90.97 3.75% $91.53
2018-19 48 Months 5.50% $116.30 6.00% $117.44
2016-17 36 Months 6.25% $152.69 6.75% $153.83
Older than 2016 24 Months 7.00% $223.88 7.50% $225.02

- 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