Personal Loan Rates
Leverage competitive rates on the financing you need
.svg)
.svg)
Personal Loans2
At ConnectOne Bank, we offer Unsecured loans (no collateral needed) and Secured loans (using assets for potentially lower rates), as well as a Cash Reserve line of credit for overdraft protection. We combine competitive rates with a streamlined process. Review the table below for our current rates and terms, and let us help you achieve your next financial goal.
APR1 without Auto Deduct
APR1 with Auto Deduct
Greater of Prime Rate or 2% over CD rate; whichever is greater
N/A
APR1 without Auto Deduct
APR1 with Auto Deduct
15.00%
14.50%
APR1 without Auto Deduct
APR1 with Auto Deduct
14.00%
N/A
1 Annual Percentage Yield (APY) is effective as of 12/23/25 and subject to change at any time and without notice. This is a variable rate account. This is a tiered rate account and the interest paid is based on the amount of funds on deposit in the account. The tiers are as follows: Tier I: $0.00 - $2,499.99 will earn an APY of 0.00%; Tier II: $2,500.00 - $249,999.99 will earn an APY of 3.00%; Tier III: $250,000 and up will earn an APY of 3.10%. This offer may be withdrawn at any time without prior notification. Rate in effect at the time of account opening. Your interest and APY may change without notice. Fees can reduce earnings. You must deposit $2,500.00 to open this account.
Auto Loans2
For the purchase of a new or used vehicle only.
APR1 without Auto Deduct
APR1 with Auto Deduct
12 - 36 Mo = 7.00%
48 months = 7.50%
12 - 36 Mo = 6.50%
48 months = 7.00%
APR1 without Auto Deduct
APR1 with Auto Deduct
12 - 36 Mo = 6.25%
48 months = 6.50%
60 months = 6.75%
12 - 36 Mo = 5.75%
48 months = 6.00%
60 months = 6.25%
Mortgages are subject to credit approval. Down payments less than 20% may be subject to higher rates.
* All loans are subject to credit approval
† Adjustable Rate Mortgage (ARM) interest rates and payments are subject to increase after the initial fixed-rate period (7/6 ARM = 84 months fixed, 10/6 ARM = 120 month fixed; after the fixed period the interest rate will adjust once every six months).
1 Down payments less than 20% may be subject to higher rates.
2, ** Annual Percentage Rate (APR)
3 Certain restrictions apply. Not applicable towards refinancing existing ConnectOne Bank mortgage loans. All loans are subject to credit approval and property appraisal. Credit requires minimum 760 credit and loan amount of $150,000 with secondary market approval.
4 Co-Op properties are not acceptable. On properties located within the state of New York, borrower(s) are required to pay the New York State Mortgage Recording tax. On properties located within the state of Florida, borrower(s) are required to pay all title and closing costs, along with any applicable Intangible and Documentary Stamp taxes.
You are leaving ConnectOne Bank's Website
By continuing, you will be leaving the ConnectOne Bank website.
ConnectOne Bank is not responsible for accuracy, security, content, or services offered by other websites; we encourage you to view privacy & security disclosures of all websites you visit as they may be different than those of ConnectOne Bank.
Visit our site again soon.
Email disclaimer
Email is not a secure transmission route. Thus we ask that you never send sensitive personal information like Social Security numbers, Account numbers, Credit Card numbers or any type of password via email to ConnectOne Bank or anyone else. Please call us when submitting this information. Please click Send an Email to continue...