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 3/5/2024 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 10.50% $107.51
Type Term Credit Score740 & Over Sample
Payment *
Credit Score700-739 Sample
Payment *
Credit Score699 & Less Sample
Payment *
Personal/Unsecured 36 Months 11.00% $163.74 12.00% $166.12 17.00% $178.34

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

Request More Information Calculate Your Payment Consumer Loan Application

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 Months 10.50% $161.25
Home Improvement / Unsecured
90% of work to be proven by work orders, materials, etc...
60 Months 13.50% $172.64

*Sample payments based on $7,500 loan. The Annual Percentage Rate is the advertised rate.

Request More Information Calculate Your Payment Consumer Loan Application

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 7.00% $359.21 7.25% $360.95 7.50% $362.70 11.25% $389.53
60 Months 7.25% $298.82 7.50% $300.59 8.00% $304.17 11.75% $331.81
72 Months 7.50% $259.38 7.75% $261.20 8.50% $266.71 12.00% $293.30
84 Months 7.75%  $386.65

- 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. 

Request More Information Calculate Your Payment Consumer Loan Application

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*
2023-24 48 Months 7.00% $359.21 7.25% $360.95 7.50%

$362.70

11.25% $389.53
2023-24 60 Months 7.25%

$298.82

7.50% $300.59 8.00% $304.17 11.75% $331.81
2023-24 72 Months 7.50% $259.38 7.75% $261.20

8.50%

$266.71 12.00% $293.30
2023-24 84 Months 7.75% $386.65
2022 48 Months 7.75% $364.45 8.00% $366.21 8.25% $367.98 12.25% $396.88
2022 66 Months 8.25% $283.52 8.50% $285.34 8.75% $287.17 12.75% $317.40
2021 48 Months 8.00%

$366.21

8.25% $367.98 8.50% $369.74 12.50% $398.73
2021 60 Months 8.25% $305.97 8.50% $307.78 9.00% $311.41 13.00% $341.34
2020 48 Months 8.25% $367.98 8.50% $369.74 8.75% $371.52 12.75% $400.58
2020 60 Months 8.50% $307.78 8.75% $309.59 9.00% $311.41 13.25% $343.26
2019 36 Months 8.75% $475.28 9.00% $477.02 9.25% $478.77 13.25% $507.25
2019 48 Months 8.75% $371.52 9.00% $373.30 9.75% $378.66 13.25% $404.31
2018 36 Months 8.75% $475.28 9.25% $478.77 10.75% $489.34 13.25% $507.25
2018 42 Months 8.75% $415.93 9.25% $419.45 11.25% $433.73 13.25% $448.29

- 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 2018 - Personal Loan Rates Apply - Maximum 42 Months

Request More Information Calculate Your Payment Consumer Loan Application

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*
2023-24 60 Months 8.00% $405.62 8.50% $410.40
> $8,500 120 Months 8.50% $242.74 9.00% $253.45
2019-22 60 Months 8.50% $410.43 9.00% $415.27
> $8,500 120 Months 9.25% $256.17 9.50% $258.90
2014-18 60 Months 9.50% $420.15 10.00% $425.06
> $8,500 120 Months 10.25% $267.19 11.00% $275.62

Older than 2014 - Personal Loan Rates Apply

- VSI charge is $45.00
*Sample payments based on $20,000 loan. The Annual Percentage Rate is the advertised rate.

Request More Information Calculate Your Payment Consumer Loan Application

Recreational Vehicle

Year Term Credit Score740 & Over Sample
Payment*
Credit Score739 & Less
2023-24 60 Months 8.00% $152.09 8.75% $154.80
2023-24 >$15000 66 Months 8.00% $281.70 8.75% $287.17
2021-22 48 Months 8.50% $184.87 9.00% $186.65
2021-22>$15000 60 Months 8.75% $309.59 9.25% $313.23
2019-20 42 Months 9.00% $208.85 9.75% $211.50
Older than 2019 30 Months 11.75% $289.74 12.25% $291.51

- VSI charge is $45.00
*Sample payments based on $7,500 loan. The Annual Percentage Rate is the advertised rate.

Request More Information Calculate Your Payment Consumer Loan Application