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Funding For Your Life

At Lowell Five Bank, 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. We’ll guide you through our easy online application and closing process.

Personal Loan Options:

Unsecured Loan*: Available for amounts from $500 - $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 Loan (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 Bank customers for at least three months before applying for an Unsecured Loan. A deposit account is required to be established prior to loan closing for all other personal loans. All personal loans are subject to approval.

*Annual Percentage rate effective as of 6/1/2026. Borrowers must be Lowell Five Bank customers for at least three months before applying for a personal loan.
Term	Annual Percentage Rate (APR)*	Payment (per $1,000)
24 Months	13.25%	$47.66
36 Months	14.25%	$34.30

*Annual Percentage Rate effective 6/1/2026.
Loan Amounts	Annual Percentage Rate (APR)*
$500 - $3,000	18.00%

*Annual Percentage Rates are effective as of 6/1/2026 and based on 90% of the lesser sales price or N.A.D.A. Value.
Term	Annual Percentage Rate (APR)*	Year of Vehicle
36 Months	8.750%	5 years old or less
48 Months	8.750%	5 years old or less
60 Months	8.750%	5 years old or less

**Annual Percentage Rates are effective as of 6/1/2026. Up to 90% financing of selling price.*
Term	Annual Percentage Rate (APR)*
36 Months	8.50%
48 Months	8.50%
60 Months	8.50%
72 Months	8.50%

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Ready to Get Started?

Let's Work Together

Talk to bankers who get it. We'll help you find the financing that fits your life perfectly.

Apply Online

To get started or finish an existing loan application, customers can log in to Online Banking and navigate to: Services > Account Services > Apply for a Consumer Loan

Apply Online