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.
Unsecured Loan
| 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 10/1/2025.
Overdraft Protection Loan
| Loan Amounts | APR* |
|---|---|
| $500 – $3,000 | 18.00% |
*Annual Percentage Rate effective 10/1/2025.
Used Auto Loans
| Term | 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 with automatic payment. 90% of the lesser of sales price or N.A.D.A value. Rates are effective 10/30/2025.
New Auto Loans
| Term | APR* |
|---|---|
| 36 Months | 8.50% |
| 48 Months | 8.50% |
| 60 Months | 8.50% |
| 72 Months | 8.50% |
*Annual Percentage Rates with automatic payment. Up to 90% financing of selling price. Rates are effective 10/30/2025.
Receive your loan statements electronically via your Lowell Five Online Banking account. eBill is safe, secure, and paperless!