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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!

Auto/Motorcycle

NBC Auto/Motorcycle Rates

    Term (Up to)    

Product

36 Mths

48 Mths

60 Mths

72 Mths

Max LTV

New Auto/Motorcycle (Model year 2025-Current model year)2

6.25%

6.35% 6.50% 6.75% 100%



    Term (Up to)    

Product

36 Mths

48 Mths

60 Mths

72 Mths

Max LTV

Used Auto/Motorcycle (Model year 2015-2025)3

6.50%

6.75% 6.99% N/A 100%


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/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 from a NBC account. All loans are subject to approval. All rates are subject to change without notice. Rates accurate as of 2025/02/22 . Financing up to 100% of the purchase price, plus sales tax, title, warranty and registration. $1,000 minimum loan amount. We will not finance warranties. Payment example: 48 months = 48 monthly payments of $23.64 per $1,000 borrowed. Example based on a 48-month, with an APR of 6.35%. 3 Used Auto/Motorcycle loans may include vehicles from 2015 through the current model year and are previously titled or owned. Autos/Motorcycles must have 150,000 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 2025/02/22 . 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. We will not finance warranties. Payment example: 48 months = 48 monthly payments of $23.83 per $1,000 borrowed. Example based on a 2020 Used Auto for 48 months, with an APR of 6.75%.

 

Motorhomes/Camping Trailers

NBC Motorhome/Camping Trailer Rates

    Term  (Up to)    

Product

36 Mths

48 Mths

60 Mths

72 Mths

Max LTV

New Motorhome/ Camping Trailer2

7.50%

7.99% 8.25% N/A 85%



    Term  (Up to)    

Product

36 Mths

48 Mths

60 Mths

72 Mths

Max LTV

Used Motorhome / Camping Trailer3

8.25%

8.75% 8.99% N/A 75%


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 Motorhome/Camping Trailer 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 2025/02/22. Financing up to 85% of the purchase price plus sales tax, title, warranty and registration. $1,000 minimum loan amount. We will not finance warranties. Payment example: 48 months = 48 monthly payments of $24.41 per $1,000 borrowed. Example based on a 48-month, with an APR of 7.99%. 3 Used Motorhome/Camping Trailer loans may include model years from 2015 through the current model year and are previously titled or owned. Motorhomes/Camping Trailers 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. Actual rates and terms may vary and are subject to approval. All rates are subject to change without notice. Rates accurate as of 2025/02/22. Financing up to 75% of the purchase price or NADA value, whichever is less, plus sales tax, title, warranty and registration. $1,000 minimum loan amount. We will not finance warranties. Payment example: 48 months = 48 monthly payments of $24.76 per $1,000 borrowed. Example based on a 48-month 2021 Used Motorhome/Camping Trailer, with an APR of 8.75%.




Collateral Secured (Boats, trailers, off-road motorcycles, ATVs, farm2)

NBC Collateral Secured Rates

    Term (Up to)    

Product

36 Mths

48 Mths

60 Mths

72 Mths

Max LTV

New Collateral Secured (Purchased from dealer)3

8.99%

N/A N/A N/A 90%



    Term (Up to)    

Product

36 Mths

48 Mths

60 Mths

72 Mths

Max LTV

Used Collateral Secured4

9.99% N/A N/A N/A    75% / 70%


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 Collateral Secured loans are made for the purchase or refinance of autos and road legal motorcycles over 10 years old(must have 150,000 miles or less to qualify), off-road motorcycles, off-road vehicles, ATVs, snow machines, utility trailers, farm equipment, tractors, boats, watercraft, and equipment FOR PERSONAL USE. 3 New Collateral Secured 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 2025/02/22. Financing up to 90% of the purchase price, plus sales tax, title, warranty and registration. $1,000 minimum loan amount. We will not finance warranties. Payment example: 36 months = 36 monthly payments of $31.79 per $1,000 borrowed. Example based on a 36-month, with an APR of 8.99%. 4 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 2025/02/22. Financing up to 75% of the purchase price, plus sales tax, title, warranty and registration, or 70% for a cash out refinance. $1,000 minimum loan amount. We will not finance warranties. Payment example: 36 months = 36 monthly payments of $32.26 per $1,000 borrowed. Example based on a 36-month with an APR of 9.99%.

 

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