NBT Bank Auto Loan Rates and Calculators


NBT Bank Online Banking » NBT Bank Auto Loan Rates and Calculators
Sponsored Links

NBT Bank auto loan calculators provide users with the ability to quickly determine what options are available to them in regards to financing a new or used vehicle. The calculators are designed to present realistic financing information based on a user’s specific financial past and/or details.

Sponsored Links

Rates

To obtain current rates and other pertinent information, an individual may get in touch with an NBT banker by calling their customer service number (1-800-NBT-BANK), or speaking to a representative in person. At this time, NBT Bank does not process loan applications online.

Auto Calculators

Total Loan Amount Calculator  – This calculator is used to determine the total loan amount that an individual may be allowed to receive in order to finance their vehicle. The following five fields must be filled out in order to successfully compute the data:

  • Largest (affordable) monthly payment
  • Down payment
  • Trade-in value (if applicable)
  • Loan term (months or years)
  • Interest rate

Once the ‘COMPUTE’ button is clicked, the highest possible amount that an individual can pay on their car, taxes, and other associated fees will be automatically generated.

Auto Loan vs Home Equity Loan Calculator – Used to calculate which option is less expensive for financing a vehicle; a traditional auto loan or a home equity loan. Users must enter the following information.

-Auto Loan Details:

  • Pre-tax purchase price
  • Interest rate
  • Other fees
  • Trade allowance
  • Sales tax rate
  • Amount of cash down
  • Loan term (months or years)

-Home Equity Loan Details:

  • Interest rate
  • Closing costs
  • Federal tax rate
  • State tax rate

Once all of the applicable fields have been filled out with a user’s data, the ‘COMPUTE’ button may be clicked. An individual’s loan payment information will then be displayed in the area directly below the calculator.

Loan Rate Calculator – A very straightforward calculator that presents users with their estimated loan rate. In order for an individual to view this information, the following variables must be entered into the calculator:

  • Purchase price
  • Down payment
  • Monthly payment
  • Loan term (months or years)

Upon pressing the ‘COMPUTE’ button, a user’s estimated loan rate will be generated.

 

Payment Length Calculator – Used to determine how many payments it will take to completely pay a loan off. Users are required to fill out the following fields of the calculator:

  • Purchase price
  • Down payment
  • Monthly payment
  • Interest rate

Once this information has been entered, a user must click on the ‘COMPUTE’ button in order to receive their results, which are subsequently displayed directly below the calculator.

 

 

Sponsored Links