Berkshire Hills Bancorp and Brookline Bancorp announced plans to merge to bring you the premier Northeast bank. Learn more about this transformational partnership and what it means for you.
Please see the attached public notice concerning the proposed Berkshire-Brookline bank merger provided by the Massachusetts Division of Banks.
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Get the right loan for vehicles, boats and your special projects.
Whether it's for your daily commute, weekend getaways or a financial helping hand to reach a goal, you'll find personal loans with budget-friendly rates at Berkshire Bank. Put your plans into action with our financing options.
As of 3/14/2025
Maximum age of collateral is 9 years. Contact your local branch for additional terms, model years, and rates.
|
Annual Percentage Rate (APR)
|
Number of Monthly Payments
|
Monthly Payment per $1,000 Borrowed
|
|
|---|---|---|---|
| Purchase Only 2024 or Newer | 5.69% | 66 | $17.68 |
| Purchase Only 2024 or Newer | 5.89% | 72 | $16.52 |
| Purchase Only 2024 or Newer | 6.39% | 75 | $16.21 |
| Purchase Only 2024 or Newer | 6.89% | 84 | $15.04 |
| Lease Buyout or Refinance 2024 or Newer | 6.19% | 66 | $17.92 |
| Lease Buyout or Refinance 2024 or Newer | 6.39% | 72 | $16.76 |
| Lease Buyout or Refinance 2024 or Newer | 6.89% | 75 | $16.45 |
| Lease Buyout or Refinance 2024 or Newer | 7.39% | 84 | $15.29 |
ATVs, Watercraft & Snowmobile Loans, 95% max LTV
|
Annual Percentage Rate (APR)
|
Number of Monthly Payments
|
Monthly Payment per $1,000 Borrowed
|
|
|---|---|---|---|
| 2023 or Newer | 7.50% | 60 | $20.04 |
| 2017 - 2022 | 8.45% | 48 | $24.63 |
Boats & RV Loans, 95% max LTV
Maximum age of collateral is 9 years.
|
Annual Percentage Rate (APR)
|
Number of Monthly Payments
|
Monthly Payment per $1,000 Borrowed
|
|
|---|---|---|---|
| 2023 or Newer ($15,000 minimum loan amount) | 7.95% | 120 | $12.11 |
| 2023 or Newer ($15,000 minimum loan amount) | 8.25% | 180 | $9.71 |
Boats & RV loans, 95% max LTV up to 72 months
Maximum age of collateral is 10 years.
|
Annual Percentage Rate (APR)
|
Number of Monthly Payments
|
Monthly Payment per $1,000 Borrowed
|
|
|---|---|---|---|
| 2023 or Newer | 7.75% | 72 | $17.42 |
Secured Personal Loans, 95% max LTV
Collateral owned by Customer; Auto/Motorcycle (10 years or newer); Boat/RV (10 years or newer); ATV, Watercraft & Snowmobile (6 years or newer).
|
Annual Percentage Rate (APR)
|
Number of Monthly Payments
|
Monthly Payment per $1,000 Borrowed
|
|
|---|---|---|---|
| $5,000 & Above | 9.00% | 60 | $20.83 |
Unsecured Flex Loan2
|
Annual Percentage Rate (APR)
|
Number of Monthly Payments
|
Monthly Payment per $1,000 Borrowed
|
|
|---|---|---|---|
| $1000 & Up | 8.99% | 60 | $20.76 |
Reddi Cash (Overdraft)3
|
Annual Percentage Rate (APR)
|
Number of Monthly Payments
|
Monthly Payment per $1,000 Borrowed
|
|
|---|---|---|---|
| $500 to $7,500 | 18.00% | N/A | $65.29* |
Service Member Reddi Cash (Overdraft)3
|
Annual Percentage Rate (APR)
|
Number of Monthly Payments
|
Monthly Payment per $1,000 Borrowed
|
|
|---|---|---|---|
| $500 to $7,500 | 9.99% | N/A | $58.41 |
1Annual Percentage Rates (APR), interest rates and terms will be determined by the customer’s overall credit rating, loan term, amount financed, age of collateral (if applicable) and monthly billing method. Stated APR is based on a credit score of 740 plus. Maximum loan to value financing on collateralized loans are pending year, make, model and credit performance. For Term loans, minimum term is 6 months and minimum loan amount is $500. Vendor Single Interest insurance, title fees and additional terms and conditions may apply. A 0.25% rate discount applies to loans with auto payment from a Berkshire Bank checking (excludes the Reddi Cash product). All consumer loan products shown here are fixed rates. Loans are subject to credit approval. Additional terms and conditions may apply. Rates are subject to change without notice. Minimum credit score is 625. Rates are subject to change without notice.
2Annual Percentage Rates (APR), interest rates and terms will be determined by the customer’s overall credit rating, loan term, amount financed and monthly billing method. Stated APR is based on a credit score of 740 plus. For Term loans, minimum term is 6 months and minimum loan amount is $1000. A 0.25% rate discount applies to loans with auto payment from a Berkshire Bank checking. All consumer loan products shown here are fixed rates. Loans are subject to credit approval. Additional terms and conditions may apply. Rates are subject to change without notice.
3Reddi-Cash is a fixed rate personal line of credit tied to a Berkshire Bank checking account for the purposes of overdraft protection. Service Member Reddi Cash requires a Valiant Checking account. Rate will remain fixed and not adjust during the term of loan. *Monthly payment per $1,000 based on 5% of the principal balance plus monthly interest.
Rates are subject to change without notice.
Berkshire Bank is a full-service financial institution with branches in MA, CT, VT, NY, and RI.
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Rev. Date 6/1/2023
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Rev. Date 1/30/19
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