Did you know you can get your car or truck loan from your local bank!? What about your RV, four-wheeler, or snowmobile!? National Bank of Coxsackie can take care of all your lending needs! We want to make sure you drive away with the loan that’s right for you.
What’s the benefit of getting your loan through NBC instead of a dealer?
- Pre-Approval – know how much you can afford to spend before you shop!
- Honesty – We give you our best rate the first time! Rates are based on what you are purchasing, not your credit score.
- Familiarity – Deal face-to-face with someone you know! Our branch staff is here to help and guide you through the purchase process.
Need help figuring out how much you can afford? Check out NBC’s interactive calculators1 to help you properly plan ahead!
See below for all the types of Installment Loans we offer!
- Car & Truck
- Boat & Motorcycle
- Sport Cycles & Off-Road Vehicles
- Farm Equipment, Utility and Camping Trailers
Car and Truck Loans
National Bank of Coxsackie handles all types of car and truck loans! Whether you are purchasing a brand new vehicle, or interested in refinancing your current car or truck, we are here for you.
NBC Car and Truck Loan Rates
| Term | New Auto2 (Current Model Year) |
|
|---|---|---|
|
APR |
APR |
12 months |
5.75% |
6.25% |
13 - 24 months |
5.75% |
6.25% |
25 - 36 months |
5.75% |
6.25% |
37 - 48 months |
5.875% |
6.375% |
49 - 60 months |
6.00% | 6.50% |
61 - 72 months |
6.125% | 6.625% |
| Term | Used Auto3 (2021-2024) |
Used Auto (2018-2020) |
Used Auto (2003 - 2017) |
|||
|---|---|---|---|---|---|---|
|
APR |
APR |
APR |
APR |
APR |
APR 0% down |
48 months or less |
6.00% |
6.49% |
6.24% |
6.74% |
6.74% |
7.24% |
60 months |
6.25% |
6.74% |
6.49% |
6.99% | 6.99% |
7.49% |
Apply Now or Contact Us today to get started!
1Information and interactive calculators are made available to you as self-help tools for your independent use. We cannot and do not guarantee their accuracy or their applicability to your circumstances. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. 2 New Auto loans must be current model year and not previously titled or owned. APR = Annual Percentage Rate. A 0.25% APR discount is available on the rates listed for automatic payments from a NBC account. All loans are subject to approval. All rates are subject to change without notice. Rates accurate as of 2024/12/21. Financing up to 100% of the purchase price, plus sales tax, title, warranty and registration. $1,000 minimum loan amount and $100 minimum monthly payment. Payment example: 48 months = 48 monthly payments of $23.43 per $1,000 borrowed. Example based on a 48-month, with 15% down and a 5.875% APR. 3 Used Auto loans may include vehicles from 2003 through the current model year and are previously titled or owned. Vehicles must have 100,000 miles or less to qualify. APR = Annual Percentage Rate. A 0.25% APR discount is available on the rates listed for automatic payments from a NBC account. All loans are subject to approval. All rates are subject to change without notice. Rates accurate as of 2024/12/21. Financing up to 100% of the purchase price or NADA value, whichever is less, plus sales tax, title, warranty and registration. $1,000 minimum loan amount and $100 minimum monthly payment. Payment example: 48 months = 48 monthly payments of $23.49 per $1,000 borrowed. Example based on a 2020 Used Auto for 48 months, with 15% down and a 6.00% APR.
Boat and Motorcycle Loans
Feel the wind in your hair with a Boat or Motorcycle loan from NBC! We don’t just take care of your car and truck, we can take care of your toys too!
NBC Boat and Motorcycle Loan Rates
| Term | New Boat/Motorcycle2 (Current Model Year) |
|
|---|---|---|
|
APR |
APR |
12-60 months |
6.49% |
7.25% |
| Term |
Used Boat/Motorcycle3 (2021-2024) |
Used Boat/Motorcycle (2003-2020) |
||
|---|---|---|---|---|
|
APR |
APR |
APR |
APR |
48 months or less |
7.49% |
8.49% |
8.49% |
9.49% |
60 months |
9.49% |
- |
9.74% |
- |
Apply Now or Contact Us today to get started!
1 Information and interactive calculators are made available to you as self-help tools for your independent use. The calculations provided should not be construed as financial, legal or tax advice. In addition, such information should not be relied upon as the only source of information. 2 New Boat/Motorcycle loans must be current model year and not previously titled or owned. APR = Annual Percentage Rate. A 0.25% APR discount is available on the rates listed for automatic payments. Actual rates and terms may vary and are subject to approval. All rates are subject to change without notice. Rates accurate as of 2024/12/21. Financing up to 100% of the purchase price plus sales tax, title, warranty and registration. $1,000 minimum loan amount and $100 minimum monthly payment. Payment example: 60 months = 60 monthly payments of $19.56 per $1,000 borrowed. Example based on a 60-month, with 15% down and a 6.49% APR. 3 Used Boat/Motorcycle loans may include model years from 2003 through the current model year and are previously titled or owned. APR = Annual Percentage Rate. A 0.25% APR discount is available on the rates listed for automatic payments. Actual rates and terms may vary and are subject to approval. All rates are subject to change without notice. Rates accurate as of 2024/12/21. Financing up to 100% of the purchase price or NADA value, whichever is less, plus sales tax, title, warranty and registration. $1,000 minimum loan amount and $100 minimum monthly payment. Payment example: 48 months = 48 monthly payments of $24.17 per $1,000 borrowed. Example based on a 48-month 2021 Used Boat/Motorcycle, with 15% down and a 7.49% APR.
Sport Cycles and Off-Road Vehicles Loans
National Bank of Coxsackie does it all! In addition to cars, trucks, boats and motorcycles, we take care of your sport cycle and water crafts with our Powersport loan! Have an off-road vehicle? We offer financing for those too! With flexible terms available we want to give you the option to find the financing that fits your needs!
NBC Sport Cycle Rates
| Term | New Sport Cycle2 | |
|---|---|---|
|
APR |
APR |
12 – 60 months |
7.49% |
8.25% |
NBC Off-Road Vehicle Rates
| Term | New Off-Road Vehicle3 (Current Model Year) |
Used Off-Road Vehicle4 (2003 - 2023 Model Years) |
|---|---|---|
|
APR |
APR |
12 – 36 months |
9.00% |
11.00% |
Apply Now or Contact Us today to get started!
1 Information and interactive calculators are made available to you as self-help tools for your independent use. The calculations provided should not be construed as financial, legal or tax advice. In addition, such information should not be relied upon as the only source of information. 2 New Sport Cycle loans must be current model year and not previously titled or owned. APR = Annual Percentage Rate. A 0.25% APR discount is available on the rates listed for automatic payments from an NBC account. Actual rates and terms may vary and are subject to approval. All rates are subject to change without notice. Rates accurate as of 2024/12/21. Financing up to 100% of the purchase price, plus sales tax, title, warranty and registration. $1,000 minimum loan amount and $100 minimum monthly payment. Payment example: 48 months = 48 monthly payments of $24.17 per $1,000 borrowed. Example based on a 48-month, with 15% down and a 7.49% APR. 3 New Off-Road Vehicle loans must be current model year and not previously titled or owned. APR = Annual Percentage Rate. A 0.25% APR discount is available on the rates listed for automatic payments from an NBC account. Actual rates and terms may vary and are subject to approval. All rates are subject to change without notice. Rates accurate as of 2024/12/21. Financing up to 100% of the purchase price, plus sales tax, title, warranty and registration. 15% down required. $1,000 minimum loan amount and $100 minimum monthly payment. Payment example: 36 months = 36 monthly payments of $31.80 per $1,000 borrowed. Example based on a 36-month, with 15% down and a 9% APR. 4 Used Off-Road Vehicle loans include model years 2003 - 2022 and are previously titled or owned. APR = Annual Percentage Rate. A 0.25% APR discount is available on the rates listed for automatic payments from an NBC account. Actual rates and terms may vary and are subject to approval. All rates are subject to change without notice. Rates accurate as of 2024/12/21. Financing up to 75% of the purchase price, plus sales tax, title, warranty and registration. 15% down required. $1,000 minimum loan amount and $100 minimum monthly payment. Payment example: 36 months = 36 monthly payments of $32.74 per $1,000 borrowed. Example based on a 36-month, with 15% down and a 11% APR.
Farm Equipment, Utility and Camping Trailers
National Bank of Coxsackie does it all! In addition to cars, trucks, boats, and motorcycles we take care of your farm equipment, utility and camping trailers too! With flexible terms available we want to give you the option to find the financing that fits your needs!
Farm Equipment Loan Rates
| Term | New APR2 (Current Model Year) |
Used APR3 (2003 - 2023 Model Years) |
|---|---|---|
Up to 60 Months |
6.75% |
7.99% |
Utility Trailer Loan Rates
| Term | New APR4 (Current Model Year) |
Used APR (2003 - 2023 Model Years) |
|---|---|---|
Up to 60 Months |
7.49% |
- |
Camping Trailer Loan Rates
| Term | New APR5 (Current Model Year) |
Used APR6 (2003 - 2023 Model Years) |
|---|---|---|
Up to 60 Months |
6.99% |
7.50% |
61 - 120 Months |
8.49% |
- |
Apply Now or Contact Us today to get started!
1 Information and interactive calculators are made available to you as self-help tools for your independent use. The calculations provided should not be construed as financial, legal or tax advice. In addition, such information should not be relied upon as the only source of information. 2 New Farm Equipment must be current model year and not previously owned. APR = Annual Percentage Rate. Actual rates and terms may vary and are subject to approval. All rates are subject to change without notice. Rates accurate as of 2024/12/21. Financing up to 100% of the purchase price, plus sales tax, title, warranty and registration. $1,000 minimum loan amount and $100 minimum monthly payment. Payment example: 60 months = 60 monthly payments of $19.68 per $1,000 borrowed. Example based on a 60-month term and a 6.75% APR. 3 Used Farm Equipment may be model years 2003 - 2022 and are previously owned. APR = Annual Percentage Rate. Actual rates and terms may vary and are subject to approval. All rates are subject to change without notice. Rates accurate as of 2024/12/21. Financing up to 100% of the purchase price, plus sales tax, title, warranty and registration. $1,000 minimum loan amount and $100 minimum monthly payment. Payment example: 60 months = 60 monthly payments of $20.27 per $1,000 borrowed. Example based on a 60-month term with a 7.99% APR. 4 Utility trailers must be current model year and not previously owned. APR = Annual Percentage Rate. Actual rates and terms may vary and are subject to approval. All rates are subject to change without notice. Rates accurate as of 2024/12/21. Financing up to 100% of the purchase price, plus sales tax, title, warranty and registration. $1,000 minimum loan amount and $100 minimum monthly payment. Payment example: 60 months = 60 monthly payments of $20.03 per $1,000 borrowed. Example based on a 60-month term with a 7.49% APR. 5 New camping trailers must be current model year and not previously owned. Camping trailers include Recreational Vehicles, 5th wheel campers and pop- up campers. APR = Annual Percentage Rate. A 0.25% APR discount is available on the rates listed for automatic payments from an NBC account. Actual rates and terms may vary and are subject to approval. All rates are subject to change without notice. Rates accurate as of 2024/12/21. Financing up to 100% of the purchase price, plus sales tax, title, warranty and registration. $1,000 minimum loan amount and $100 minimum monthly payment. Payment example: 60 months = 60 monthly payments of $19.80 per $1,000 borrowed. Example based on a 60-month term with a 6.99% APR. 6 Used camping trailers must be model years 2003 - 2022 and are previously owned. Camping trailers include Recreational Vehicles, 5th wheel campers and pop-up campers. APR = Annual Percentage Rate. A 0.25% APR discount is available on the rates listed for automatic payments from an NBC account. Actual rates and terms may vary and are subject to approval. All rates are subject to change without notice. Rates accurate as of 2024/12/21. Financing up to 100% of the purchase price, plus sales tax, title, warranty and registration. $1,000 minimum loan amount and $100 minimum monthly payment. Payment example: 60 months = 60 monthly payments of $20.04 per $1,000 borrowed. Example based on a 60-month term with a 7.50% APR.
