Consumer Loans

Consumer loans from FNCB can be used to meet a wide range of personal financial needs. For many people, these include buying a new or used automobile, making major home repairs and renovations, taking a dream vacation, and consolidating debt.

Automobile Financing — New or used cars, trucks, RVs and motorcycles
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  Automobile Financing
  
  Fixed-rate auto loans are available with rate reduction if payments are auto-drafted from an FNCB checking account.
  
  Loan Features:
  - New vehicle financing terms up to 6 years
  - Used vehicle financing terms up to 5 years
  - Competitive interest rates which are guaranteed to remain fixed for the loan term.
  - Autodraft feature is available.
  - Rate reduction for borrowers autodrafting from an FNCB checking account.
  - Credit Life/Disability Insurance is available for qualified applicants.
- Click Here for New Car Rates
- Click Here for Used Car Rates

Personal Loans — Flexible uses and terms
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  Personal Loans
  
  Fast and convenient financing for home repairs and renovations, vacations, debt consolidation and other household needs.
  
  Loan Features:
  - Financing terms up to 5 years
  - Competitive interest rates which are guaranteed to remain fixed for the loan term.
  - Autodraft feature is available.
  - Rate reductions for borrowers autodrafting from an FNCB checking account.
  - Credit Life/Disability Insurance is available for qualified applicants
- Click Here for Rates

Instant Money — Avoid overdraft hassles
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  Instant Money
  
  This is a line of credit that advances funds to cover inadvertent checking account overdrafts or insufficient funds.
  
  Features:
  - Competitive Fixed rates are available.
  - Funds are advanced from this credit line and deposited to your checking account in increments of $50, whenever the checking account becomes overdrawn.
  - Payment and balance information are included on your monthly checking account statement.
  - Monthly payments of principal and interest.
  - $15 annual fee applies
  - Credit Life Insurance is available for qualified applicants.
- Click Here for Rates