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Loans to suit your life
— another difference you can see!

All of us could use a little extra money now and then. For a new car, holiday expenses, a family reunion. For an RV, a camper, a boat. For a college course or braces for the kids.

Installment Loans

The solution for many people is an installment loan. With an installment loan you borrow exactly what you need, exactly when you need it. And because you repay the loan in fixed monthly installments, it’s easier to plan your budget.

Everyone’s different. Some of us have saved for years for a big purchase—a car, a second honeymoon—but maybe we need a little extra to put us over the top. And some need to borrow the full amount of a planned purchase. Either way, an installment loan from VNB/FSNH may be the answer.

At VNB/FSNH we’ll do our best to design a loan you can really live with—one with attractive terms and a manageable repayment plan.

Competitive Rates and Terms

We offer installment loans at fixed rates and flexible terms to make your loan fit your budget and your financial plans. Most of our installment loans allow you to choose from a number of repayment schedules, and because payments are fixed, they’re easier to plan for when it comes to monthly budgeting.

Automatic Loan Payments

You’re busy. That’s why we have come up with a way to make repayment of your loan so easy that you’ll never write a check—and never miss a payment. With our Automatic Deduction option, you can arrange for your loan payments to be automatically deducted from your VNB/FSNH checking or savings account. You can even specify the date you’d like us to make the payment for you! The amount of the deduction will appear on your monthly statement, so it’s easy to keep track of your payments.

Personal Line of Credit

For some people a personal line of credit offers a flexible alternative to regular loans or credit cards. With a personal line of credit you apply just once for an amount of credit up to $20,000. Then, whenever you want to make a purchase, you simply write a check against your credit line. Need a short-term loan for a specific purchase—or some extra cash for an emergency? A VNB/FSNH Credit Line makes the money available immediately.

Best of all, you don’t have to take out another loan, re-mortgage your home or put up collateral. Once you’re approved for a credit line, it’s yours to use as you wish. And you pay no interest at all until you actually use the money. You’re in control!

Special features of the VNB/FSNH Personal Line of Credit

  • Confidentiality

Your VNB/FSNH Personal Line of Credit checks look just like regular checks—and work the same way.

  • Convenience

Apply just once, and when you’re approved, that’s it. No more trips to the bank, no more forms or applications, no waiting for approval every time you need to borrow money against your credit line. The money’s there when you need it.

  • Flexibility

With a minimum check amount of $250, your Personal Line of Credit checks are ideal for paying many different kinds of bills—household repairs, medical bills, vacation trips, car repairs.

  • No annual fee

There’s no annual fee for a VNB/FSNH Personal Line of Credit, just a one-time fee of $25 for an initial credit investigation. And interest charges apply only if you have an outstanding balance on your credit line.

For more information call 1-800-367-8862. (TTY users: 877-318-0255.) Or stop by one of our offices and pick up an application. Drop us a line by e-mail. If you’re looking for a loan, we’d like to help you find one that suits you.

     
 

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Vermont National Bank/First Savings of New Hampshire is insured by the FDIC.

Vermont National Bank /First Savings of New Hampshire is an Equal Housing Lender.