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The Commercial & Savings Bank

Consumer Loan Rates

Consumer loans made simple. Ready to get started?


Apply For a Consumer Loan

We reserve the right to change rates, terms, and conditions without notice. Subject to credit approval. 

  • Tab 2
    Motorcycle & ATV
    Loans
  • Tab 3
    Boat &
    Motorhome Loans
  • Tab 4
    Secured
    Personal Loans
  • Tab 5
    Unsecured
    Personal Loans
  • Tab 6

Auto Loan Rates 

Rates shown are for applicants with credit scores of 720 or higher. Applicants with lower credit scores may have different terms available. All loans subject to approval. All applications are welcome, contact a local expert to obtain rates and terms.
 
 
Product Credit Score Term Months Simple Interest Rate
(As low as)
 Annual Percentage Rate
(APR)

New Vehicles
NEW
720+
up to 36 months
6.74%
7.327%*
NEW
720+
up to 66 months
6.74%
7.077%*
NEW
720+
72 Months
7.24%
7.552%*

Used Vehicles
2020-2024
 720+
60 months
7.24%
7.609%*
2020-2024
 720+
72 months
7.49%
7.803%*
2017-2019
 720+
60 months
7.99%
8.361%*
2016-older (< $15,000)
 720+
36 Months
9.74%
11.133%**
2016-older (>= $15,000)
 720+
48 Months
9.74%
10.201%*

Payment Example:
An auto loan of $20,000 for 72 months at a rate of 7.24% and an APR of 7.552% would have a payment of $346.83. $175.00 Loan Documentation fee and other fees financed. Other fees include $15.00 Title Registration fee and $15.00 VSI Insurance fee. Higher rates available for used units and credit scores below 720.

*Example APRs based on a loan amount of $20,205.00. Loan amount is based on a $20,000 purchase price, $175 loan documentation fee and $30 additional non-APR fees.

**Example APR based on a loan amount of $10,205.00. Loan amount is based on a $10,000 purchase price, $175 loan documentation fee and $30 additional non-APR fees.

Motorcycle & ATV Loan Rates

Rates shown are for applicants with credit scores of 700 or higher. Applicants with lower credit scores may have different terms available. All loans subject to approval. All applications are welcome, contact a local expert to obtain rates and terms.
 
 
Product Credit Score Term Months Simple Interest Rate
(As low as)
 Annual Percentage Rate
(APR)

Motorcycles & ATVs
New
700+
60
8.25%
8.993%*
Used
700+
48
9.75%
10.671%*

Payment Examples:  

A new Motorcycle  loan of $10,000 for 60 months at a rate of 8.25% and an APR* of 8.993% would have a payment of $208.17. $175.00 Loan Documentation fee and other fees financed. Other fees include $15.00 Title Registration fee and $15.00 VSI Insurance fee. Higher rates available for used units and credit scores below 700.

*Example APRs based loan amount of $10,205.00. Loan amount is based on a $10,000 purchase price, $175 loan documentation fee and $30 additional non-APR fees.

Boats & Motorhome Loan Rates

Rates shown are for applicants with credit scores of 700 or higher. Applicants with lower credit scores may have different terms available. All loans subject to approval. All applications are welcome, contact a local expert to obtain rates and terms.
 
 
Product Credit Score Term Months Simple Interest Rate
(As low as)
 Annual Percentage Rate
(APR)

Boats & Motorhomes
New
700+
120
8.75%
8.959%*
Used
700+
84
9.75%
10.036%*

Payment Examples:  

A new Boat/Motorhome  loan of $20,000 for 120 months at a rate of 8.75% and an APR** of 8.959% would have a payment of $253.29. $175.00 Loan Documentation fee and other fees financed. Other fees include $15.00 Title Registration fee and $15.00 VSI Insurance fee. Higher rates available for used units and credit scores below 700.

*Example APRs based loan amount of $20,205.00. Loan amount is based on a $20,000 purchase price, $175 loan documentation fee and $30 additional non-APR fees.

Secured Personal Loan Rates

Rates shown are for applicants with credit scores of 700 or higher. Applicants with lower credit scores may have different terms available. All loans subject to approval. All applications are welcome, contact a local expert to obtain rates and terms.
 
 
Product Credit Score Term Months Simple Interest Rate
(As low as)
 Annual Percentage Rate
(APR)

Lawn & Garden, Storage Barns, and other UCC collateral
New
700+
60
8.75%
9.496%*
Used
700+
48
9.75%
10.671%*

Payment Examples:  

A new Lawn/Garden equipment  loan of $10,000 for 60 months at a rate of 8.75% and an APR* of 9.496% would have a payment of $210.63. $175.00 Loan Documentation fee and other fees financed. Other fees include $15.00 Title Registration fee and $15.00 VSI Insurance fee. Higher rates available for used units and credit scores below 700.

*Example APRs based loan amount of $10,205.00. Loan amount is based on a $10,000 purchase price, $175 loan documentation fee and $30 additional non-APR fees.

Unsecured Personal Loan Rates

Rates shown are for applicants with credit scores of 700 or higher. Applicants with lower credit scores may have different terms available. All loans subject to approval. All applications are welcome, contact a local expert to obtain rates and terms.
 
 

 Credit Score Term Months Simple Interest Rate
(As low as)
 Annual Percentage Rate
(APR)
Term
700+
36
13.50%
14.732%*
Term
< 700
36
14.50%
15.740%*

Payment Example:

An unsecured loan of $10,000 for 36 months at a rate of 12.25% and an APR of 13.497% would have a payment of $339.34. $175.00 Loan Documentation fee financed. Higher rates available for credit scores below 700.

*Example APRs based loan amount of $10,175.00. Loan amount of $10,000 requested, plus a $175 loan documentation fee.

Additional Terms for Personal Loans

Minimum loan balance $1,000. Loan Documentation Fee of $175.00 on all Consumer Loans. If doc fee causes the APR to exceed the Usury Rate, reduce doc fee until APR is within Usury Rate. Applicants will be eligible for a .25% reduction in the rate if the loan is set up on automatic deduction from a CSB deposit account. This .25% reduction does not apply to loans secured by CSB CD or Savings Accounts. All applications are welcome, contact a local expert to obtain rates and terms based on your creditworthiness.