Consumer Loan Products

personal loans at gouverneur savingsGouverneur Savings and Loan offers a wide selection of consumer loans to meet the credit needs of our customers.  Whether it is for purchasing a car, car repairs, education expenses, home improvements, purchasing a recreational vehicle, a boat, or a camper, we have the loan to meet your needs.

We also offer passbook loans so you may borrow against your own funds while you continue to receive interest on your deposit account.

  • Competitive rates
  • Terms that will meet your needs
  • Local decision-making and processing
  • Quick turn-around time

Loan decisions are made locally.

Complete, sign and return the application to your local Branch.

Consumer Loan Application
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Personal Loans

  • 5-year maximum term
  • Secured and unsecured
  • Consolidation of debt 100% secured loan

Home Improvement Loans

  • Unsecured requires 90% of the work to be proved by work orders, materials, etc.
  • Secured maximum loan amount is $10,000, must be 100% secured

Automobile and Motorcycle Loans

  • Rates based on credit score, term and year of vehicle
  • May require 10% down payment and/or sales tax

Camper and Boat Loans

  • Rates based on term, year of camper or boat
  • Maximum term 120 months

Recreational Vehicles

  • Rate based on year of vehicle and term
  • Terms of 24 to 60 months

Passbook Loans

  • Demand Loan
  • Rate 3.5% above CD/Savings rate with a floor of 4.25%