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473 Broadway Saratoga Springs, NY 12866
Phone: 518-584-5844

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Personal Loans from Your Local Bank


The Adirondack Trust Company offers a variety of loan and credit options to help finance your dreams. Whether you want to buy a new or used car or put in a completely new kitchen, or finance your child’s education we can help. We provide competitive and innovative loan products to offer you many personal loan options from which to choose.

To learn more about our consumer loan options, please stop by your nearest Adirondack Trust Company office or call 518-584-5844.

Personal Lending
Home Improvement Loans
Automobile Loans
Personal Loans
Overdraft Checking
MasterCard®/Visa® Credit Cards

Related Services
Automatic Payment Option


Home Improvement Loans

For household repairs and remodeling, we can make budgeting easier with our competitive rates and terms.

  • Terms from 1-5 years
  • Fixed interest rate
  • Fixed monthly payment


Automobile Loans New and Used

  • Fixed interest rate
  • Fixed monthly payment
  • Quick loan approval and fast access to your funds
  • Pre-qualification option
  • 90% financing NEW automobiles up to 5 years
  • 90% financing USED automobiles with term based on vehicle year


Personal Loans

Our personal loans offer you the flexibility of purchasing what you want without having to use your savings. Use it for a vacation getaway, some new furniture, or just about anything you have in mind.

  • Terms range from 1 to 5 years
  • Fixed interest rates.
  • Fixed monthly payment


Overdraft Checking

  • Use only the credit you need
  • Saves you from overdraft and returned check fees
  • Each advance is conveniently detailed on your monthly statement
  • Monthly payments are automatically deducted from your checking account
  • Pay interest only on your outstanding balance


MasterCard®/Visa® Credit Cards

  • Competitive fixed interest rate
  • We donate 1% of the interest earned on your transactions to a local non-profit group each year
  • Visa Classic Card, Visa Gold Card, MasterCard Regular Cards available


Personal Loans - Related Services

- Automatic Payment Option
If you have a checking or savings account with us, you may have your monthly payment automatically taken out on the payment due date. This free service is available on most of our loan products. There is no need to worry about late payments or getting to the bank on time!

 - Applying for a Loan
You can be sure your loan application will receive personal attention from one of our experienced Lending Officers and we will give you the quick response time you deserve.

To learn more about our consumer loan options, please stop by your nearest Adirondack Trust Company branch. We have branches in Glens Falls, Ballston Spa, Saratoga Springs, Malta and Wilton. Or you can call us at 518-584-5844.

All loans are subject to application and credit approval.