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Consumer Lending

New! Lake Sunapee Bank MasterCard®

Apply for our consumer MasterCard at a low 6.99% Introductory APR for six months and start earning ScoreCard Bonus Points that can be redeemed for merchandise and travel

Apply today for an exclusive MasterCard at an amazing introductory rate and no annual fee from Lake Sunapee Bank. Once approved, you will enjoy the introductory rate of 6.99% Annual Percentage Rate for six months and then a low 11.25% variable APR based on prime rate.

  • Incredible Introductory Rate
  • No Annual Fee
  • No Over limit fee
  • No Balance Transfer fee
  • ScoreCard Bonus Points

The benefits don’t stop at the low rate! You could earn ScoreCard® Bonus Points for every net retail purchase you make with your Lake Sunapee Bank Credit Card! You can redeem Bonus Points for brand-name merchandise and exciting travel awards. Click here for a sneak peak!

Once you have your card, visit www.scorecardrewards.com, set up a profile and browse the current award selections. You’ll be amazed at what ScoreCard® has to offer! 

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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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