Consumer Loans

See Current Rates

Affordable products for your personal credit needs
Come to Elmira Savings & Loan for personal loans that fit most any need. Whether you're planning a vacation, a home improvement project, or simply looking for the best way to cover an unexpected expense, ES&L has a consumer loan product for you.

The advantage�

	Prompt decision making from our friendly loan officers
	Competitive rates
	Reduced rates if you choose to have your payment automatically deducted

We offer a wide range of consumer loan products, including:

	Home Equity Loans/Lines of Credit � Use the value in your home to finance improvements around the house, tuition, or debt consolidation. Plus, the interest on your loan may be tax deductible (consult with a tax advisor).
	Personal Loans � ES&L offers both secured and unsecured loans to customers that do not have equity in an existing property. The minimum amount available for this type of loan is $5,000.
	Auto Loans � With a 20% down payment, qualified individuals can finance the purchase of a new or used car. Terms are available up to 60 months, depending on the year of the vehicle.
	Summer Fun Loans � Perfect for financing a new pool or boat, these loans help finance the things that bring enjoyment to your life.

Elmira Savings & Loan has received a rating of "outstanding" on its most recent Community Reinvestment Act examination.

The Community Reinvestment Act, first enacted into law in 1977, encourages banks to meet the credit needs of all of the communities they serve, including low-to-moderate income neighborhoods and families, and local businesses.