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Personal Loans
Personal Loans
To fit your needs
Whether you're making a big purchase, tackling a home project, or consolidating debt, our personal loans offer flexible options to help you reach your goals.

We offer both secured and unsecured loans, with borrowing amounts, interest rates, and APR determined by factors like your credit score.

Once approved, you can use your loan to:

  • Buy a new car, truck, SUV, or ATV
  • Fund a home improvement project
  • Cover expenses for a wedding, vacation, or special event
  • Consolidate debt into one manageable payment

 

Get the funds you need with a loan that works for you. Apply today!

Personal Loan Interest Rates
Rates as of June 10, 2025
Loan Rates
Credit Score*TermInterest Rate (Secured)APR**Interest Rate (Partially Secured)APR**Interest Rate (Unsecured)APR**
740 & Above0 to 48 Months 8.00%8.00%9.25%9.25%11.25%11.25%
740 & Above49 to 60 Months8.50%8.50%10.50%10.50%-- ---- --
700-739Up to 48 Months9.50%9.50%11.00%11.00%13.00%13.00%
700-73949 - 60 Months10.25%10.25%11.75%11.75%-- ---- --
675-699Up to 48 Months12.00%12.00%14.25%14.25%-- ---- --
675-69949 to 60 Months12.50%12.50%14.75%14.75%-- ---- --
674 & BelowUp to 48 Months13.00%13.00%15.00%15.00%-- ---- --
674 & Below49 to 60 Months13.50%13.50%15.50%15.50%-- ---- --
Payment Examples
Secured Loans
Credit
Score*
Term
(Months)
Amount
Borrowed
Monthly
Payment
Total Loan
& Interest
740 & Above48$5,000$122.06$5,859.12
740 & Above60$5,000 $102.58 $6,154.99
700-73960$5,000$106.85$6,411.12
675-69960$5,000$112.49$6,749.39
674 & Below48$5,000$134.14$6,438.58
Payment Examples
Unsecured Loans
Credit
Score*
Term
(Months)
Amount
Borrowed
Monthly
Payment
Total Loan
& Interest
740 & Above48$5,000$129.84$6,232.04
700-73948$5,000$134.14 $6,438.58

*Credit scores are based on information collected by credit bureaus and information reported each month by your creditors about the balances you owe and the timing of your payments. A credit score is a compilation of all this information converted into a number that helps a lender to determine the likelihood that you will repay the loan on schedule. The credit score is calculated by the credit bureau, not by the lender. Credit scores are calculated by comparing your credit history with millions of other consumers. 

  • Loans subject to credit approval
  • Interest rates and programs are subject to change without notice
  • Loans under $2,500 must be kept to a maximum term of 48 months
  • Loans over $10,000 must be fully secured
  • Interest rates will be discounted 0.25% with Auto Pay from a Chemung Canal checking or savings account
**APR = Annual Percentage Rate. The APR represents the maximum amount that may be charged in a year. There is no minimum period for repayment and the maximum period for repayment is equal to the agreed upon term.

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