Gouverneur Savings and Loan Association has a wide variety of personal finance solutions to meet your needs and we will help you as your needs change through the years.
* Rates below effective as of 1/10/2025 and are subject to change
Personal Loans
Minimum Loan $1,500, Minimum Payment $100.00
| Type | Term | Rate %APR | Sample Payment * |
|---|---|---|---|
| Personal/Secured-other than mortgage must be 100% secured |
60 Months | 10.50% | $107.51 |
| Type | Term | Credit Score740 & Over | Sample Payment * |
Credit Score700-739 | Sample Payment * |
Credit Score699 & Less | Sample Payment * |
|---|---|---|---|---|---|---|---|
| Personal/Unsecured | 36 Months | 11.00% | $163.74 | 12.00% | $166.12 | 17.00% | $178.34 |
*Sample payments based on $5,000 loan. The Annual Percentage Rate is the advertised rate.
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Home Improvement Loans
Minimum Loan $1,500, Minimum Payment $100.00
| Type | Term | Rate %APR | Sample Payment* |
|---|---|---|---|
| Home Improvement / Secured-other than mortgage 90% of work to be proven by work orders, materials, etc... |
60 Months | 10.50% | $161.25 |
| Home Improvement / Unsecured 90% of work to be proven by work orders, materials, etc... |
60 Months | 13.50% | $172.64 |
*Sample payments based on $7,500 loan. The Annual Percentage Rate is the advertised rate.
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New Automobile & Motorcycle Loan - 15,000 Miles or Less
| Term | Credit Score740 & Over | Sample Payment* |
Credit Score700 - 739 | Sample Payment* |
Credit Score650 - 699 | Sample Payment* |
Credit Score649 & Less | Sample Payment* |
|---|---|---|---|---|---|---|---|---|
| 48 Months | 7.00% | $359.21 | 7.25% | $360.95 | 7.50% | $362.70 | 11.25% | $389.53 |
| 60 Months | 7.25% | $298.82 | 7.50% | $300.59 | 8.00% | $304.17 | 11.75% | $331.81 |
| 72 Months | 7.50% | $259.38 | 7.75% | $261.20 | 8.50% | $266.71 | 12.00% | $293.30 |
| 84 Months | 7.75% | $386.65 |
- VSI charge is $45.00
*Sample payments based on $15,000 loan. 84 month term based on $25,000.00 sample payment. The Annual Percentage Rate is the advertised rate and can vary based on creditworthiness, age of vehicle and terms of the loan.
To qualify for the 84 month term, loan request must be $25,000.00 or greater.
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Used Automobile & Motorcycle Loan
| Year | Term | Credit Score740 & Over | Sample Payment* |
Credit Score700 - 739 | Sample Payment* |
Credit Score650 - 699 | Sample Payment* |
Credit Score649 & Less | Sample Payment* |
|---|---|---|---|---|---|---|---|---|---|
| 2024-25 | 48 Months | 7.00% | $359.21 | 7.25% | $360.95 | 7.50% |
$362.70 |
11.25% | $389.53 |
| 2024-25 | 60 Months | 7.25% |
$298.82 |
7.50% | $300.59 | 8.00% | $304.17 | 11.75% | $331.81 |
| 2024-25 | 72 Months | 7.50% | $259.38 | 7.75% | $261.20 |
8.50% |
$266.71 | 12.00% | $293.30 |
| 2024-25 | 84 Months | 7.75% | $386.65 | ||||||
| 2023 | 48 Months | 7.75% | $364.45 | 8.00% | $366.21 | 8.25% | $367.98 | 12.25% | $396.88 |
| 2023 | 66 Months | 8.25% | $283.52 | 8.50% | $285.34 | 8.75% | $287.17 | 12.75% | $317.40 |
| 2022 | 48 Months | 8.00% |
$366.21 |
8.25% | $367.98 | 8.50% | $369.74 | 12.50% | $398.73 |
| 2022 | 60 Months | 8.25% | $305.97 | 8.50% | $307.78 | 9.00% | $311.41 | 13.00% | $341.34 |
| 2021 | 48 Months | 8.25% | $367.98 | 8.50% | $369.74 | 8.75% | $371.52 | 12.75% | $400.58 |
| 2021 | 60 Months | 8.50% | $307.78 | 8.75% | $309.59 | 9.00% | $311.41 | 13.25% | $343.26 |
| 2020 | 36 Months | 8.75% | $475.28 | 9.00% | $477.02 | 9.25% | $478.77 | 13.25% | $507.25 |
| 2020 | 48 Months | 8.75% | $371.52 | 9.00% | $373.30 | 9.75% | $378.66 | 13.25% | $404.31 |
| 2019 | 36 Months | 8.75% | $475.28 | 9.25% | $478.77 | 10.75% | $489.34 | 13.25% | $507.25 |
| 2019 | 42 Months | 8.75% | $415.93 | 9.25% | $419.45 | 11.25% | $433.73 | 13.25% | $448.29 |
- VSI charge is $45.00
*Sample payments based on $15,000 loan. 84 month term based on $25,000.00 sample payment. The Annual Percentage Rate is the advertised rate and can vary based on creditworthiness, age of vehicle and terms of the loan.
To qualify for the 84 month term, loan request must be $25,000.00 or greater.
Older than 2019 - Personal Loan Rates Apply - Maximum 42 Months
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Campers & Boats
(Preferred With Trailer)
Use Personal Loan Rates If Less Than $5,000
| Year | Term | Credit Score740 & Over | Sample Payment* |
Credit Score739 & Less | Sample Payment* |
|---|---|---|---|---|---|
| 2024-25 | 60 Months | 8.00% | $405.62 | 8.50% | $410.40 |
| > $8,500 | 120 Months | 8.50% | $242.74 | 9.00% | $253.45 |
| 2020-23 | 60 Months | 8.50% | $410.43 | 9.00% | $415.27 |
| > $8,500 | 120 Months | 9.25% | $256.17 | 9.50% | $258.90 |
| 2015-19 | 60 Months | 9.50% | $420.15 | 10.00% | $425.06 |
| > $8,500 | 120 Months | 10.25% | $267.19 | 11.00% | $275.62 |
Older than 2015 - Personal Loan Rates Apply
- VSI charge is $45.00
*Sample payments based on $20,000 loan. The Annual Percentage Rate is the advertised rate.
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Recreational Vehicle
| Year | Term | Credit Score740 & Over | Sample Payment* |
Credit Score739 & Less | |
|---|---|---|---|---|---|
| 2024-25 | 60 Months | 8.00% | $152.09 | 8.75% | $154.80 |
| 2024-25 >$15000 | 66 Months | 8.00% | $281.70 | 8.75% | $287.17 |
| 2022-23 | 48 Months | 8.50% | $184.87 | 9.00% | $186.65 |
| 2022-23>$15000 | 60 Months | 8.75% | $309.59 | 9.25% | $313.23 |
| 2020-21 | 42 Months | 9.00% | $208.85 | 9.75% | $211.50 |
| Older than 2020 | 30 Months | 11.75% | $289.74 | 12.25% | $291.51 |
- VSI charge is $45.00
*Sample payments based on $7,500 loan. The Annual Percentage Rate is the advertised rate.
Request More Information Calculate Your Payment Consumer Loan Application
