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Whether you are looking to buy a new car, take that much needed vacation, or perhaps add on that new family room you've been dreaming about, our experienced Consumer Lending team can offer you a complete line of consumer loans and credit lines and help you find the one that best meets your needs.
Consumer Loan Products: |
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| Model Year Vehicle |
Maximum Term in Months |
Annual Percentage Rate (APR) |
Monthly Cost Per $1,000 Borrowed |
| 2012-2011 | 12 | 2.99% | $84.70 |
| 24 | 2.99% | $42.98 | |
| 36 | 2.99% | $29.08 | |
| 48 | 2.99% | $22.14 | |
| 60 | 2.99% | $17.97 | |
| 2011 - 2004 (Used) | 12 | 3.99% | $85.15 |
| 24 | 3.99% | $43.43 | |
| 36 | 3.99% | $29.53 | |
| 48 | 3.99% | $22.58 | |
| 54 | 3.99% | $20.27 |
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Automobile Loans - Discounts Available
Winchester Savings Bank will discount the interest rate on new or used car loans by 5/8 of one percentage point for establishing a Nexus Banking relationship, or 3/4 of one percentage point for establishing a Nexus Plus Banking relationship. Please contact us for more details.
Return to TopAutomobile Loans - Details
- Minimum loan amount is $5,000
- Minimum loan payment is $100.00/month
- Down Payment Requirements:
New Vehicles - 5.00%
Used Vehicles 5 Years or Newer - 10.00%
Used Vehicles Older than 5 Years - 30.00% - Monthly payment based on 30 days to first payment
- Fire, Theft and Collision Insurance with a maximum deductible of $500.00 is required.
- No out-of-state purchases or lease buyouts
| Description |
Maximum Term in Months |
Annual Percentage Rate (APR) |
Monthly Cost Per $1000 Borrowed |
| *Personal Loan | 12 | 12.00% | $88.83 |
| *Personal Loan | 24 | 12.00% | $47.06 |
| *Personal Loan | 36 | 12.00% | $33.20 |
Personal Loans - Details
- Minimum loan amount is $1,000
- Maximum loan amount is $5,000
- Minimum loan payment is $75.00 / month
- * Requires an established banking relationship in good standing of 6 months or more.
Overdraft Protection - Details
- Annual Percentage Rate (APR): 13.75%
- Minimum overdraft line is $500
- Maximum overdraft line is $2,000
- Minimum monthly payment is $25.00 / month
Collateral Loans - Details
- Annual Percentage Rate (APR): 3.50% over what the account being held as collateral is currently earning.
- Principal payback determined by the customer. Interest billed quarterly.
- The APR may increase after consummation if the Annual Percentage Rate paid on the account being held as collateral increases.
DISCLAIMER: All product offers, rates, terms, and other information provided is subject to change without notice.



