Car Loans & Auto Financing

Financing your new vehicle is as easy as starting your engine with an auto loan from North Country Savings Bank. With our quick and easy online application process and experienced Loan Experts behind the scenes ensuring you have the lowest rate possible, you'll be behind the wheel of a new vehicle in no time.

Auto Loan Features and Benefits

North Country Savings Bank offers a variety of loans for new, used, and recreational vehicles. Whether you plan to buy from a dealer or private seller, our competitive rates and flexible terms allow you to customize your car loan to suit your needs. You won't find that kind of personal service at any dealership. North Country Savings Bank also offers the following on all car loans:

  • Competitive rates and flexible terms
  • Rate discounts for qualified buyers
  • No prepayment penalties
  • Automatic Loan Payments are taken directly from your North Country Savings Bank checking account, or an account from another financial institution

Contact us or stop by one of our five convenient banking locations to apply for an auto loan through North Country Savings Bank.

Buying a Car: 3 Things to Know

Your Credit Health

Walking into a dealership and knowing the state of your credit is one of the best tools to have in your back pocket when purchasing a car. If you haven't checked your credit report in a while, there could be small discrepancies that could affect your report and credit score, which could result in you getting a less than favorable loan rate, causing you to pay more in the long run. Knowledge is power.

The Best Rates

Many consumers looking to purchase a car automatically go to the dealership to finance their loan. Most of us never ask ourselves if there's something better out there – but what if there is? Shopping around for a car loan never hurts and could lead to a lower rate. If you're shopping for a car, do yourself a favor and do your homework on loan rates.

What You Can Actually Afford

Most important of all is knowing what you can actually afford for a new car. While longer loans with a lower monthly payment seem appealing at first, you can actually end up paying more in interest than you would with a shorter-term loan with a higher monthly payment. It's always recommended to go with the shortest loan you can afford so you can pay your car off as quickly as possible.