Personal Loan Rates

Leverage competitive rates on the financing you need
We can help you reach your unique goals

Whenever you need extra money for a specific purchase, ConnectOne's personal loan rates can provide more purchasing power for you and our clients in New York, New Jersey and beyond.

Personal Loans**

Product Term Loan Amount Acceptable Collateral Bank Fees and Closing Costs Paid by Consumer APR* without Auto Detect APR* with Auto Detect Cost Per Thousand
Cash Reserve Revolving $500-$25,000 Collateral Not Applicable None 14.00% NA NA
Personal Unsecured 24 / 36 / 60 Months $2,000-$25,000 Collateral Not Applicable None 15.00% 14.50% 24 months = $48.49 36 months = $34.67 60 months = $23.79
Personal Secured Commensurate with term of collateral Commensurate with amount of collateral not to exceed $1,000,000 ConnectOne Passbook Savings or ConnectOne Certificate of Deposit None Greater of Prime Rate or 2% over book rate NA 24 months = $43.65 36 months = $29.76 48 months = $22.80 60 months = $18.64

Personal Credit Card**

Product Term Loan Amount Acceptable Collateral Bank Fees and Closing Costs Paid by Consumer APR* without Auto Detect APR* with Auto Detect
Personal Credit Card Revolving $500-$50,000 Collateral Not Applicable None Variable - Prime + 5.9% NA

Auto Loans**

Product Term Loan Amount Acceptable Collateral Bank Fees and Closing Costs Paid by Consumer APR* without Auto Detect APR* with Auto Detect Cost Per Thousand
Auto - New 12 / 24 / 36 / 48 / 60 months $2500-$100,000 Automobiles for non-commercial use None, however borrower(s) responsible for all applicable DMV fees and taxes 12-36 Mo = 6.25% 48 months = 6.50% 60 months = 6.75% 12-36 Mo = 5.75% 48 months = 6.00% 60 months = 6.25% 12 months = $86.18 24 months = $44.43 36 months = $30.54 48 months = $23.71 60 months = $19.68
Auto - Used 12 / 24 / 36 / 48 months $2500-$100,000 Automobiles for non-commercial use - Maximum age = 6 years None, however borrower(s) responsible for all applicable DMV fees and taxes 12-36 Mo = 7.00% 48 months = 7.50% 12-36 Mo = 6.50% 180 months = 7.00% 12 months = $86.53 24 months = $44.77 36 months = $30.88 48 months = $24.14

HELOC and Home Equity Loans**

Product Term Loan Amount Acceptable Collateral Bank Fees and Closing Costs Paid by Consumer APR* without Auto Detect APR* with Auto Detect Cost Per Thousand
Home Equity Line Draw Period 5 Years / Interest Only Minimum Payment required for first 5 years / Any balance remaining after draw period ends will fully amortize over 10 years $2500-$1,000,000 1-4 family owner occupied and 1 family vacation homes If line is paid and closed within the 1st 2 years and average usage is less than 50% of line, an early termination fee of $2500 may apply. Appraisal fees applicable for lines > $250,000. Title Insurance required for lines in 1st lien position where credit limit is >= $150K Prime + .50 Floor rate = Prime, Max Rate = 16% Prime. Floor rate = Prime, Max Rate = 16% NA
Home Equity Loan 60 / 120 / 180 months $2500-$1,000,000 1-4 family owner occupied and 1 family vacation homes Appraisal fees applicable for loans > $250,000. Title Insurance required for lines in 1st lien position and loan is >= $150K 60 months = 6.50% 120 months = 6.75% 180 months = 7.00% 60 months = 6.00% 120 months = 6.25% 180 months = 6.50% 60 months = $19.57 120 months = $11.48 180 = $8.99

How can we help you?

Contact a ConnectOne Bank representative to learn more.

*Annual Percentage Rate (APR)

**All loans are subject to credit approval

You come first. We aren't like those other banks.

At ConnectOne Bank, we understand that little things matter and focus on those things when providing personal and business banking solutions for our clients.