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Personal Loans and Lines

Whether you have a planned project in mind or an unexpected expense, BSNB's Personal Loans and Lines offer multiple uses and good flexibility to help you when you need it most.

  • Multiple uses, including:
    • Auto Repairs
    • Vacations
    • Holiday Shopping
    • Computers
    • Appliances and Equipment etc.

Personal Loans

  • Unsecured loans for up to 36 months
  • Low fixed rates
  • Minimum loan amount of $1,500
  • Offers easy repayment option with auto-deduct from a BSNB checking account
  • Cash-secured offerings with premium rates

Preferred Line of Credit

  • Generous credit lines from $5,000 - $25,000
  • Competitive low variable rate
  • No collateral requirements
  • Revolving - borrow only the amount you need
  • Immediately transfer funds you need from your line of credit to your linked BSNB checking account
  • Convenient 24/7 access through Online Banking
  • Overdraft feature protects against unplanned overdrafts

Instant Money Line

  • Linked to a BSNB checking account for overdraft protection
  • No expiration
  • Offers easy repayment option with auto-deduct from a BSNB checking account
  • Fast approvals

 

Loans subject to application and approval

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For more information, please call Customer Service at (518) 885-6781.

Mailing Address:
Ballston Spa National Bank
PO Box 70
Ballston Spa, NY 12020

         
Ballston Spa Office
87 Front Street
Ballston Spa, NY 12020
(518) 363-8150
Burnt Hills Office
770 Saratoga Road
Burnt Hills, NY 12027
(518) 399-8144

Clifton Park Office
256 Ushers Road
Clifton Park, NY 12065
(518) 877-6667

Corporate Branch Office
990 State Route 67
Ballston Spa, NY 12020
(518) 363-8199

Galway Office
5091 Sacandaga Road
Galway, NY 12074
(518) 882-1225
Greenfield Center Office
3060 Route 9N
Greenfield Center, NY 12833
(518) 893-2265
Latham Office
1207 Troy Schenectady Road
Latham, NY 12110
(518) 640-2800
Malta Office
124 Dunning Street
Ballston Spa, NY 12020
(518) 899-2912

Milton Crest Office
344 Rowland Street
Ballston Spa, NY 12020
(518) 885-4346

Stillwater Office
428 Hudson Avenue
Mechanicville, NY 12118
(518) 664-3200
Wilton Office
625 Maple Avenue
Saratoga Springs, NY 12866
(518) 583-6608