Loans

Unlock New Opportunities

It’s no secret that life can be pricey. We have lending solutions to help you keep moving forward to achieve your goals. Apply online for a personal loan or line of credit and receive a response in minutes!

  • Minimum Loan or Line Amount – $1,000
  • Maximum Loan or Line Amount – $20,000
  • Various Repayment Terms
  • Rate discount available with automatic payment from ASB account
  • ASB checking account open for at least 96 days required

Minute Lender

Apply right from home, get a response in minutes. 

Apply Now – Minute Lender

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Loan Rates

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HEAT Loans

We offer 0% APR HEAT Loans for qualified energy-efficient improvements to your home. As a Participating Lender in partnership with Mass Save and with electric and gas companies, a HEAT Loan from Athol Savings Bank may be the best way to finance your new heating system, air conditioning, or insulation.

  • HEAT Loan Authorization Form from Mass Save required
  • Micro HEAT Loans
    • $500-$2000
    • Various terms available
  • Standard HEAT Loans
    • $2,001-$15,000
    • Various terms available
Learn More (Mass Save)

INTRO CREDIT Loan

Build your credit with a loan option that supports your success.

  • INTRO CREDIT is intended to assist applicants to establish a credit profile. Applicants with a limited credit profile of no more than 3 reported accounts are eligible with an acceptable credit history. INTRO CREDIT is not intended to repair credit or for applicants with established credit profiles of more than 3 reported accounts
  • Minimum loan amount $750 with ASB $500 deposit
  • Maximum loan amount $1,500 with ASB $1,000 deposit
  • ASB Deposit account pledged as collateral
  • Loan to Value maximum of 150%
  • Various terms available
  • 5.00% APR Fixed Interest Rate
  • 0.25% Interest Rate reduction with Automatic Payment from an ASB account
  • Consumer Credit Report Required

Collateral Loans

Take advantage of funds in your ASB certificate of deposit or savings account (statement or passbook) as collateral for a loan.

  • Minimum Loan Amount – $1,000
  • Loan to Value – Maximum 100% of available account balance

Automobile Loans

Keep moving forward with an ASB auto loan! ASB offers an easy buying process, affordable payments, and flexible terms.

  • Minimum Loan Amount – $1,000
  • Maximum Loan Amount – $50,000
  • Various Repayment Terms
  • Loan to Value – New 100%, Used 90%
  • Rate Discount available with automatic payment from ASB account

Recreational Vehicle Loans

In the market for something fun? If you’re considering the purchase of a motorcycle, snowmobile, boat, all-terrain vehicle, or camping/travel trailer our recreational vehicle loan can help.

  • Minimum Loan Amount – $1,000
  • Maximum Loan Amount – $50,000
  • Various Repayment Terms
  • Loan to Value – New 90%, Used 90%
  • Rate Discount available with automatic payment from ASB account and direct deposit of a net paycheck