Personal Loans

Flexible financing for life's big moments. To help you flourish, our team takes great care to understand what you wish to accomplish and then finds the solutions that support you and your goals. A personal loan with Pentucket Bank can support your dreams and your financial health. 

Unsecured Personal Loan:  Finance for your big costs - from furniture to debt consolidation, weddings to long-awaited vacations.
Cash Secured Loan:  Borrow against your own savings or CD at a lower rate.
Personal Overdraft Line of Credit: Protection for your account from a negative balance and overdraft fees.
Credit Building: Rebuild your credit; borrow from the bank and when the loan is paid off, those funds are released to you.

LOAN TYPE APR TERM MONTHLY PAYMENT
PER $1,000 BORROWED
MINIMUM & MAXIMUM LOAN AMOUNT APPLY
Unsecured Personal Loan 10.75%1 Up to 60 Months $21.633 $1,000-$25,000 Apply Now
Cash Secured Loan 3.25%2 Up to 60 Months $18.083 $1,000-$50,000 Apply Now
LOAN TYPE APR TERM MINIMUM PAYMENT MINIMUM & MAXIMUM CREDIT LIMIT APPLY
Personal Overdraft Line of Credit5 16.00%4 Open - Revolving Line of Credit $25.00 $500-$2,500 APPLY NOW
LOAN TYPE APR TERM MONTHLY PAYMENT
PER $1,000 BORROWED
MINIMUM & MAXIMUM LOAN AMOUNT APPLY
Credit Builder Loan 5.00%6 Up to 24 Months $43.873 $600-$2,500 APPLY NOW

1Annual Percentage Rate (APR) as of 2/1/25 may be as low as 10.75% and is subject to change without notice. APRs assume excellent borrower credit history. Your actual APR may differ based upon your credit history, loan amount and term. All loans are subject to credit approval. Terms and conditions are subject to change without notice. The displayed rate reflects a discount of 0.25% reduction in rate for auto-payment from a Pentucket Bank deposit account. 
2Annual Percentage Rate (APR) as of 2/1/25 may be as low as 3.25% and is subject to change without notice. APRs assume excellent borrower credit history. Your actual APR may differ based upon your credit history, loan amount and term. All loans are subject to credit approval. Terms and conditions are subject to change without notice. 
3Principal and interest payment based on lowest rate and maximum term.
4Annual Percentage Rate (APR) as of 2/1/25 may be as low as 16.00% and is subject to change without notice. APRs assume excellent borrower credit history. Your actual APR may differ based upon your credit history, loan amount and term. All loans are subject to credit approval. Terms and conditions are subject to change without notice.
5Personal Overdraft Line of Credit includes a $25.00 annual fee that is assessed in January.
6Annual Percentage Rate (APR) as of 2/1/25 is 5.00%. To qualify for a loan, the applicant must open a savings account with Pentucket Bank. Credit builder loan terms are available from 12-24 months. Terms and conditions are subject to change without notice.