Family with a new home & car

Personal Banking Loans

Man painting a wall with a paint roller We all have wants — perhaps a much-needed new car, a long-awaited vacation or hard-earned college tuition money. Maybe you want to make an improvement on the house or consolidate highly-demanded debt. 

Well, when those wants turn to needs, Cortland Bank personal banking loans may be just what you need. With competitive rates, quick turnaround and an extensive variety of loan options, we are ready to help.

Mortgage Loans

View mortgage products.

Automobile Loans

Cortland Bank offers rates and terms dependent upon empirica/FICO score whether refinancing an existing vehicle or purchasing a new or used vehicle. Use our Calculator or 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.

Unsecured 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 Bank CDs and savings accounts. Also available with stock ownership in Cortland Savings & Banking or any other company.