Whether you're looking to consolidate debt, make home improvements, or fund other large purchases, a personal loan provides flexible options for your situation. Gouverneur Savings and Loan provides personal loans at competitive interest rates with flexible terms.
What Can a Personal Loan Be Used for?
Personal loans can provide borrowers with the financial flexibility they need. From handling life's unexpected expenses to turning dreams into reality, personal loans can be used for a wide range of purposes, including:
- Debt consolidation
- Home improvements
- Weddings
- Vacations
- Medical expenses
- And much more! Our personal loans empower you to accomplish your goals.
To apply, simply complete, sign, and return the application to your local branch:
Consumer Loan Application Firefox users please download the fillable pdf file and open with your pdf document viewer.
Benefits of Our Personal Loans
Competitive personal loan rates- Flexible terms up to 5 years
- Secured and unsecured options
- Local decision-making and processing
- Consolidation of debt 100%-secured loan
- Quick turnaround time
Consumer Loan Application
Firefox users please download the fillable pdf file and open with your pdf document viewer.
All Loan Decisions Made Locally
At Gouverneur Savings and Loan, we understand the unique needs of the members in our communities. You'll never have to deal with frustrating phone automation to speak with one of our friendly representatives. Simply give us a call or stop in to our local branches to get answers to your questions.
As we strive to provide the best banking experience, we offer a personalized approach to each valued customer and personal loan. All of our loan decisions are made locally and offered at competitive interest rates with favorable repayment terms.
Gouverneur, NY Branch
20 John Street, PO Box 297
Gouverneur, New York 13642
Phone: (315) 287-2600
Fax: (315) 287-3340
Alexandria Bay, NY Branch
15 NYS Route 12, PO Box 250
Alexandria Bay, New York 13607
Phone: (315) 482-4197
Fax: (315) 482-4297
Cape Vincent, NY Branch
154 E. Broadway St., PO Box 277
Cape Vincent, New York 13618
Phone: (315) 654-2115
Chaumont, NY Branch
12084 Rt. 12E, PO Box 449
Chaumont, New York 13622
Phone: (315) 649-2245
La Fargeville, NY Branch
20410 NYS Rt. 411, PO Box 368
La Fargeville, New York 13656
Phone: (315) 658-2600
Competitive Personal Loan Rates
* Rates below effective as of 1/10/2025 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.
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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 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* |
|---|---|---|---|---|---|---|---|---|---|
| 2024-25 | 48 Months | 7.00% | $359.21 | 7.25% | $360.95 | 7.50% |
$362.70 |
11.25% | $389.53 |
| 2024-25 | 60 Months | 7.25% |
$298.82 |
7.50% | $300.59 | 8.00% | $304.17 | 11.75% | $331.81 |
| 2024-25 | 72 Months | 7.50% | $259.38 | 7.75% | $261.20 |
8.50% |
$266.71 | 12.00% | $293.30 |
| 2024-25 | 84 Months | 7.75% | $386.65 | ||||||
| 2023 | 48 Months | 7.75% | $364.45 | 8.00% | $366.21 | 8.25% | $367.98 | 12.25% | $396.88 |
| 2023 | 66 Months | 8.25% | $283.52 | 8.50% | $285.34 | 8.75% | $287.17 | 12.75% | $317.40 |
| 2022 | 48 Months | 8.00% |
$366.21 |
8.25% | $367.98 | 8.50% | $369.74 | 12.50% | $398.73 |
| 2022 | 60 Months | 8.25% | $305.97 | 8.50% | $307.78 | 9.00% | $311.41 | 13.00% | $341.34 |
| 2021 | 48 Months | 8.25% | $367.98 | 8.50% | $369.74 | 8.75% | $371.52 | 12.75% | $400.58 |
| 2021 | 60 Months | 8.50% | $307.78 | 8.75% | $309.59 | 9.00% | $311.41 | 13.25% | $343.26 |
| 2020 | 36 Months | 8.75% | $475.28 | 9.00% | $477.02 | 9.25% | $478.77 | 13.25% | $507.25 |
| 2020 | 48 Months | 8.75% | $371.52 | 9.00% | $373.30 | 9.75% | $378.66 | 13.25% | $404.31 |
| 2019 | 36 Months | 8.75% | $475.28 | 9.25% | $478.77 | 10.75% | $489.34 | 13.25% | $507.25 |
| 2019 | 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 2019 - 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* |
|---|---|---|---|---|---|
| 2024-25 | 60 Months | 8.00% | $405.62 | 8.50% | $410.40 |
| > $8,500 | 120 Months | 8.50% | $242.74 | 9.00% | $253.45 |
| 2020-23 | 60 Months | 8.50% | $410.43 | 9.00% | $415.27 |
| > $8,500 | 120 Months | 9.25% | $256.17 | 9.50% | $258.90 |
| 2015-19 | 60 Months | 9.50% | $420.15 | 10.00% | $425.06 |
| > $8,500 | 120 Months | 10.25% | $267.19 | 11.00% | $275.62 |
Older than 2015 - 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 | |
|---|---|---|---|---|---|
| 2024-25 | 60 Months | 8.00% | $152.09 | 8.75% | $154.80 |
| 2024-25 >$15000 | 66 Months | 8.00% | $281.70 | 8.75% | $287.17 |
| 2022-23 | 48 Months | 8.50% | $184.87 | 9.00% | $186.65 |
| 2022-23>$15000 | 60 Months | 8.75% | $309.59 | 9.25% | $313.23 |
| 2020-21 | 42 Months | 9.00% | $208.85 | 9.75% | $211.50 |
| Older than 2020 | 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
