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Personal Lending

When it’s personal and you need funds fast, Marblehead Bank is here for you.

Apply at a Branch View Rates 

A personal loan provides the funds you need for yourself, your household, or a variety of reasons not covered by other loan products.

Features & Benefits:

  • Secured and unsecured short-term loan options
  • Fixed monthly payments
  • Quick turnaround
  • Competitive rates
  • No prepayment penalty
  • Enjoy a .50% discount on your interest rate with loan payments made by pre-authorized transfer from a Marblehead Bank checking or statement savings account
  • Maximum loan amount $5000.00 for unsecured and 80% LTV for a secured loan

Take care of your personal business with a Personal Loan.

Enjoy fixed monthly payments and no early payment penalty with Marblehead Bank.

Apply at a Branch View Rates 

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Rates

Personal Loan Unsecured | Personal Loan Secured by Vehicle | Personal Loan Secured by Boat

Personal Loan Unsecured

This is the intro.

APR is accurate as of 6/1/2026. All rates and terms subject to change without notice.

Personal Loan Unsecured (Rate Table)
TermInterest RateAPRMonthly Payment / $1,000
Term 36 monthsInterest Rate 14.000%APR 14.000%Monthly Payment / $1,000 $34.18
Payment Made by Pre-Authorized Transfer from Marblehead Bank Statement Savings or Checking Account$
Personal Loan Unsecured (Pre‑Authorized Transfer) (Rate Table)
TermInterest RateAPRMonthly Payment / $1,000
Term 36 monthsInterest Rate 13.500%APR 13.500%Monthly Payment / $1,000 $33.94

 

$A .50% discount is available when loan payment is made by pre-authorized transfer from a Marblehead Bank checking or statement savings account. An unsecured personal loan for a term of 36 mths, borrowed at 14.00% APR is subject to 36 payments of $34.18 per $1,000. An unsecured personal loan for a term of 36 mths with payment made by pre-authorized transfer from a Marblehead Bank statement savings or checking account at 13.50% APR is subject to 36 payments of $33.94 per $1,000.

Personal Loan Secured by Vehicle

APR is accurate as of 6/1/2026. All rates and terms subject to change without notice.

Personal Loan Secured by Vehicle (Rate Table)
TermInterest RateAPRMonthly Payment / $1,000
Term 48 monthsInterest Rate 10.500%APR 10.500%Monthly Payment / $1,000 $25.60
Payment Made by Pre-Authorized Transfer from Marblehead Bank Statement Savings or Checking Account$
Personal Loan Secured by Vehicle (Pre‑Authorized Transfer) (Rate Table)
TermInterest RateAPRMonthly Payment / $1,000
Term 48 monthsInterest Rate 10.000%APR 10.000%Monthly Payment / $1,000 $25.36

 

80% Finance Value in N.A.D.A. Official Used Car Guide

Vehicle and Boat Secured Loans Require Property Insurance

$IMPORTANT INFORMATION ABOUT SAVINGS ON YOUR LOAN

A .50% discount is available when loan payment is made by pre-authorized transfer from a Marblehead Bank checking or statement savings account. *For example: A personal loan secured by a vehicle for a term of 48 mths, borrowed at 10.500% APR is subject to 48 payments of $25.60 per $1,000.

A personal loan secured by a vehicle for a term of 48 mths with payment made by pre-authorized transfer from a Marblehead Bank statement savings or checking account at 10.000% APR is subject to 48 payments of $25.36 per $1,000.

Personal Loan Secured by Boat

New Boat

APR is accurate as of 6/1/2026. All rates and terms subject to change without notice.

Personal Loan Secured by Boat (Rate Table)
TermInterest RateAPRMonthly Payment / $1,000
Term 60 monthsInterest Rate 8.990%APR 8.990%Monthly Payment / $1,000 $20.75
Payment Made by Pre-Authorized Transfer from Marblehead Bank Statement Savings or Checking Account$
Personal Loan Secured by Boat (Pre-Authorized Transfer) (Rate Table)
TermInterest RateAPRMonthly Payment / $1,000
Term 60 monthsInterest Rate 8.490%APR 8.490%Monthly Payment / $1,000 $20.51

 

Boat as Collateral

Vehicle and Boat Secured Loans Require Property Insurance

*Loans of less than $10,000 amortizes over 60 months.
*Loan amount of $10,000 or more has the option of having payment based on an amortization schedule of up to 180 months with balloon payment or refinance of loan balance to be made at 60 mths. Check with loan representative for further details.

$IMPORTANT INFORMATION ABOUT SAVINGS ON YOUR LOAN

A .50% discount is available when loan payment is made by pre-authorized transfer from a Marblehead Bank checking or statement savings account. For example: A new auto loan for a term of 36 months, borrowed at 6.490% APR is subject to 36 payments of $30.64 per $1,000. A new auto loan for a term of 36 months with payment made by pre-authorized transfer from a Marblehead Bank statement savings or checking account at 5.990% APR is subject to 36 payments of $30.42 per $1,000.

RESOURCES

In our ever-changing world, there’s always more to learn. Empower your financial health: Keep current on cyber security best practices and get answers to questions on everything from mobile wallets to business online banking.

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