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Consumer Lending

Home Equity Line of Credit

Put the equity in your home to use for you as a powerful financing option for home improvements, major purchases, weddings, etc. Just like a business does, you are given a line of credit with checks that you write when you need them. You may open a Home Equity Line of Credit and not use it until you need it. When you do need it, you are ready; no applications to complete, no waiting for your money. Consider these options:

  • Attractive financing rates below standard consumer loans
  • Easy payment plans
  • No minimum balance requirement
  • No annual fee, no points, no application fee
  • Minimal closing costs
  • Tax deductions may apply (consult your tax advisor)

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Home Equity Loan

Put the equity in your home to use for you as a powerful financing option for home improvements, major purchases, weddings, etc.:

  • Attractive financing rates below standard consumer loans
  • Fixed rate product with set term
  • Automatic payment available
  • No annual fee, no points
  • $50 processing fee
  • Minimal closing costs
  • Tax deductions may apply (consult your tax advisor)

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Energy-Efficient Home Loan

Conservation begins at home and we would like to help. Our fixed rate Energy-Efficient Home Loan offers a special rate for qualifying energy-efficient improvements made to your primary home. Whether you need to replace old windows, upgrade your furnace, air conditioner, or appliances, this loan provides a lower-cost option for making your home more energy-efficient, reducing your overall cost of ownership.

  • Attractive financing rates below standard consumer loans
  • Fixed rate product with set term
  • Automatic payment available
  • $200 processing fee
  • Tax deductions may apply (consult your tax advisor)

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Overdraft Loan

Protect your checking account from overdraft fees with our Overdraft Loan.

  • No collateral required – unsecured based on your credit history
  • Choose your amount from $500 to $5000
  • Automatic payment available
  • Minimal application costs

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Deposit Secured Loan

Use your Lake Sunapee Bank deposits as collateral to get a personal loan.

  • Use your savings account or CD as collateral
  • Borrow up to 90% of your pledged accounts for collateral
  • May avoid a need for a co-signer
  • No waiting for an approval
  • $25 processing fee
  • Automatic payment available

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New or Pre-Owned Vehicle Loans

Buying a new or pre-owned vehicle? Before you do, you may want to check out our favorite car and truck buying site Edmunds; www.Edmunds.com . Here you can learn about specific vehicles, safety and maintenance records, equipment recommendations, new and used car prices and lots, lots more!

When you've decided on a vehicle, be sure to check out our attractive rates and vehicle financing programs that even come with a free checking account when you have automatic payment.

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New Car & Light Truck Loans

  • 0% down payment for up to 72-month terms for qualified buyers
  • .25% rate discount on purchase of hybrid vehicles
  • $50 Processing Fee

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Pre-Owned Car & Light Truck Loans

  • Finance up to 80% of purchase price or NADA value - whichever is less
  • 24 to 60 month terms available
  • $50 Processing Fee

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Motorcycle Loans

  • 0% down payment for qualified buyers
  • Finance up to 80% of purchase price or NADA value on pre-owned - whichever is less
  • 24 to 72 month terms available on new; 24 to 60 months on pre-owned
  • $50 Processing Fee

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Marine/Recreational Vehicle Loans

  • Only 20% down payment
  • Finance up to 80% of purchase price or NADA value on pre-owned marine/recreational vehicles  - whichever is less
  • Up to 48 month terms available on new marine/recreational vehicles for qualified buyers
  • $50 Processing Fee

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Brendan and Dana Keegan