Personal Loans
We offer a full range of loans with competitive rates.
We invite you to check out our low rates on new and used automobile loans, unsecured loans, savings secured loans, overdraft protection loans, and more.
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All rates effective Wednesday, February 5, 2025 unless otherwise noted and are subject to change without notice.
*Home Improvement
| Maximum Loan Amount | Maximum Term | Example Amount | Current Rate | APR | Estimated Payment | Doc Fee |
|---|---|---|---|---|---|---|
| $15,000.00 | 84 months | $15,000.00 | 9.25% | 9.342% | $243.95 | $50.00 |
APR (Annual Percentage Rate) is based on a $15,000 loan and includes a $50 doc fee.
*Vehicles
| Type | Condition | Year | Max Term | Example Amount | Current Rate | APR | Estimated Payment | Doc Fee |
|---|---|---|---|---|---|---|---|---|
| Autos, Harley Davidson Motorcycles | New/Used | 2025 & 2024 | 72 months | $30,000.00 | 7.75% | 7.196% | $523.02 | $50.00 |
| 2025 & 2024 | 84 months | $35,000.00 | 8.25% | 8.282% | $550.45 | $50.00 | ||
| 2023 & 2022 | 60 months | $25,000.00 | 8.25% | 8.318% | $510.72 | $50.00 | ||
| 2023 & 2022 | 72 months | $25,000.00 | 8.5% | 8.557% | $445.17 | $50.00 | ||
| 2021 & 2020 | 60 months | $20,000.00 | 8.75% | 8.383% | $413.60 | $50.00 | ||
| 2019 & 2018 | 48 months | $15,000.00 | 9.50% | 9.651% | $377.93 | $50.00 | ||
| 2017 & Older | 36 months | $10,000.00 | 10.50% | 10.809% | $326.49 | $50.00 | ||
| Boats, Campers, RV’s, Tractors & Equipment | New/Used | 120 months | $20,000.00 | 9.25% | 9.298% | $256.59 | $50.00 | |
| Motorcycles, ATV’s, Snowmobiles, Ski Doos | New/Used | 48 months | $10,000.00 | 9.25% | 9.488% | $251.18 | $50.00 |
Monthly payment is based on example amount and maximum term
VSI Premium of $40
APR includes $50 doc fee
Loan amount contingent on NADA vehicle value. APR (Annual Percentage Rate) is based on the above example loan and includes a $50 doc fee.
****Minimum Loan Amount $35,000 with 80% Max LTV for 84 month term
*Personal Unsecured
| Maximum Loan Amount | Maximum Term | Example Amount | Current Rate | APR | Estimated Payment | Doc Fee |
|---|---|---|---|---|---|---|
| $10,000.00 | 60 months | $10,000.00 | 11.50% | 11.694% | $220.91 | $50.00 |
APR (Annual Percentage Rate) is based on a example loan and maximum term, includes a $50 doc fee.
* Quoted rates are based on credit scores of 700 or above and are subject to change without notice. Other underwriting considerations may apply.
Collateral Loans
| Minimum Loan Amount | Maximum Term | Maximum LTV | Current Rate | Doc Fee |
|---|---|---|---|---|
| $100.00 | 60 months | 95% | Deposit rate +3.50% (fixed) or 4.50% whichever is greater | n/a |
Secured loan value up to 95% of available funds.
Solar Program
| Loan Amounts | Max Term | Example Amount | Current Rate | APR | Est. Payment | Minimum Credit Score | Ucc Fee | Doc Fee |
|---|---|---|---|---|---|---|---|---|
| $5,000 – $25,000 | 120 months | $25,000.00 | 8.74% | 8.80% | $313.93 | 725 | Up to $72.25 | $50.00 |
| $25,001 – $40,000 | 180 months | $40,000.00 | 9.24% | 9.27% | $412.16 | $50.00 |
Minimum Credit Score 725
UCC Fee up to $72.25
APR (Annual Percentage Rate) is based on example amount and maximum term, includes a $50 doc fee
Energy Loans
| Product Name | Maximum Term (Months) | Loan Amount Example | Rate | Annual Percentage Rate (APR) | Monthly Payment |
|---|---|---|---|---|---|
| Energy Loans | 84 | $15,000.00 | 2.00% | 2.00% | $191.52 |
| Energy Loans | 84 | $15,000.00 | 0% | 0% | $178.58 |
- Loan amount and terms are determined by Utility Company and stated on the Residential Energy Efficiency Loan Authorization Form.
Personal Loan Calculators
Personal Loan FAQs
Our loan types include Home Improvement, Vehicles, Recreational Vehicles, Solar Program, Personal Unsecured, and Collateral Loans.
We also offer student loans through Granite Edvance.
Our Overdraft Protection Line of Credit is attached to your Savings Bank of Walpole checking account and advances funds to your account if an overdraft occurs.
If you need to build or reestablish credit, your SBW savings account or Certificate of Deposit can be used to secure a loan.
To learn more about Credit Scores, visit our Financial Learning Center.
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“A friend who is new to the area recently asked me if I could recommend a local bank, and I found myself going on and on about how incredible SBW is. I never thought I’d be so enthusiastic about a financial institution, but here we are.”
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SBW Customer since 2011
