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Personal Loan Options

We are committed to helping you get the right loan, whether that’s overdraft protection or a personal loan for a family emergency or that dream car.

We offer borrowing solutions with competitive rates with automatic payments made from your Lowell Five checking account*.  We’ll guide you through our easy application and closing process.  You can apply online or visit any of our convenient branch locations.

Personal loan options:

    • Unsecured Loan**: Available for amounts from $500 to $25,000
    • Overdraft Protection Loan: Attached to checking account and available up to $3,000
    • Deposit Collateral Loan: Rate is 3% above interest being earned on the securing savings or certificate of deposit
    • Auto Loans (New and Used): Available with as little as 10% down
    • Personal Credit Card: Enjoy convenient and flexible purchasing power with a Lowell Five credit card

* *Borrowers are required to be Lowell Five customers for at least three months before applying for an Unsecured Loan. All personal loans are subject to approval.

Loan Calculator

Unsecured Loan

Apply Online
TERM APR* Payment per $1,000
24 Months 13.25% $47.66
36 Months 14.25% $34.30

*Annual Percentage Rates with automatic payment. Borrowers must be Lowell Five customers for at least three months before applying for a Personal Loan. Rates are effective 12/26/2023.

Overdraft Protection Loan

Apply Online
Loan Amounts APR*
$500 – $3,000 18.00%

*Annual Percentage Rate effective  12/26/2023.

Used Auto Loans

Term APR* Year of Vehicle
36 Months 10.250%  5 years old or less
48 Months 10.250% 5 years old or less
60 Months 10.250% 5 years old or less

*Annual Percentage Rates with automatic payment. 90% of the lesser of sales price or N.A.D.A value. Rates are effective 12/26/2023.

New Auto Loans

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Term APR*
36 Months 10.00%
48 Months 10.00%
60 Months 10.00%
72 Months 10.00%

*Annual Percentage Rates with automatic payment. Up to 90% financing of selling price. Rates are effective 12/26/2023.

Receive your loan statements electronically via your Lowell Five Online Banking account.  eBill is safe, secure, and paperless!

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