Personal Banking Loans

We all have wants.  Perhaps you want a much-needed new car, a long-awaited vacation, or hard-earned college tuition money.  Maybe you want a well-deserved improvement on the house or to consolidate highly-demanded debt.  With competitive rates, quick turnaround and an extensive variety of loan options, we are ready to fulfill your individual desire.  After all, we want too. 

We want to help you.

Mortgage Loans:
Click here.

Automobile Loans:
Cortland Banks offers rates and terms dependent upon empirica/FICO score whether refinancing an existing vehicle or purchasing a new or used vehicle. Use our New Car Calculator to estimate your monthly payment amount depending on the purchase price of the car.

Home Equity (Closed End):
With a fixed rate and a fixed term, you can achieve home improvement, debt consolidation, vacation or tuition expenses, all by using the equity in your home. 

Home Equity Lines of Credit (Variable):
Borrowers wishing to repay in regular monthly payments can tie a line of credit to the equity in their home to receive tax deductibility, check access and a ten-year term.  *Consult a tax advisor regarding the deductibility of interest.

Boats, RVs, Motor Homes, Travel Trailers, Horse Trailers, Utility Trailers, Converted Vans, Tent Campers, Truck Campers, New and Used Motorcycles, Dirt Bikes, ATVs, Wave Runners, Snowmobiles:
Please inquire with a loan officer for details on these loans.

Uncensored Loan (Personal Loan) and
Line of Credit:
When you have a specific need, our personal loan can offer a fixed term and a lower monthly payment than most credit card companies demand.

Mobile Home Loans:
Call and ask to speak to any of our loan officers for more information on a mobile home loan.

Bare Land Loans:
Available at 65% loan to value. Call for more information .

Possessory Loans:
Available using Cortland Banks CDs and savings accounts. Also available with stock ownership in Cortland Savings & Banking or any other company.