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Consumer Loans

We have a lot to offer!

Elmira Savings Bank has a variety of loan products available, whether you’re looking for a new vehicle or planning to build a new deck, we’ve got you covered!  We offer a discount when you use Auto Pay from your Elmira Savings Bank checking account.

Our loan products are listed below. If you don’t see what you are looking for please contact us at 607-734-3374, (888) 372-9299, and we will be happy to help. 

Auto, Truck, and Motorcycle Loans

Drive away in the vehicle of your dreams!  With our competitive rates and quick approvals, you could be the proud owner of the new car, truck, or motorcycle you’ve had your eye on.  Not thinking new?  We finance used 2007 to new 2019 model years and offer up to 72 months financing for qualified buyers on select model years.  

Click here to view Auto, Truck, and Motorcycle Loan Rates

Personal Loans

Thinking about refinancing an existing loan or replacing your décor with new furniture?  Whether you’re facing an unexpected expense, or simply want to take a vacation to get away from it all, we are here to help. Financing is available up to 72 months for qualified consumers.

Click here to view Personal Loan Rates

Boats, Recreational Vehicles, and Other Outdoor Sports Equipment Loans

With an Elmira Savings Bank boat, RV, or outdoor sports equipment loan, we’ll have you financed in a flash.  We finance boats, RV’s, snowmobiles, ATV’s, dirt bikes, and Jet Ski's. Take advantage of our quick and effortless loans so you can be enjoying your favorite outdoor past time in no time at all!

Home Improvement/Equity Loans

You can access the equity in your home! Consolidate those high interest rate credit cards, remodel your home, or borrow money for college.  With an Elmira Savings Bank Home Improvement/Equity Loan the possibilities are endless! 

Jacuzzi/Hot Tub/Pool Loans

Your home is almost complete.  All you need is that new Jacuzzi or pool to make your home your castle.  Well, you’re in luck!  Elmira Savings Bank can finance it all.  With our great rates you could be soaking away the day long term.

Say When You Pay Loans

You read it right, You say When you Pay! With Elmira Savings Bank's "Say When You Pay Loan" you now have the option to select any two fixed consecutive months a year that you will not have a loan payment due. It's like taking a vacation from your loan! Now you can get the loan you want and choose the 10 months out of the year that your loan payment is due!

Click here to view full account details and requirements

Lines of Credit

Redi Reserve Line

Write your own loan when and where you need it.  Our Redi Reserve Lines of Credit come with free checks for the life of the line and the flexibility needed to make your purchase at your convenience.

Home Equity Line of Credit

Do you have a list of “to-do” projects for your home? Our Home Equity Lines of Credit offer you the freedom to make improvements as you go, all while accessing the equity in your home.  You can access all of the line at once or take it in steps as the work is done.  We have two line of credit options, a 5 year draw with a 15 year repayment and a 10 year draw with a 15 year repayment.  Call us to apply today.

Loan Calculator



Elmira Savings Bank • 333 E. Water St., Elmira, NY 14901 • Phone: (607) 734-3374 • (888) 372-9299 •       

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