It happens all the time . . . you’re caught up with your expenses and then something comes out of the blue. Unfortunately, that something always seems to be pretty expensive. For just these sorts of times, Baltic Transit Bank has developed a full range of consumer lending services — designed to make financing fast, convenient, and affordable.

At Baltic Transit Bank, we understand that unexpected expenses can arise when you least expect them. That's why we offer a variety of consumer lending options to fit your needs, providing you with the flexibility and support necessary to manage life's financial surprises.

Home Equity Lines of Credit

Tap into the equity of your home to access funds for major expenses or projects. Our flexible terms and competitive rates make it easy to use your home's value to your advantage. With a Home Equity Line of Credit, you can borrow what you need when you need it, and only pay interest on the amount you draw.

New and Used Auto Loans

Whether you're purchasing a new car or a used vehicle, we offer affordable auto loan options with competitive rates to help you get behind the wheel. Our auto loans are designed to fit your budget with manageable repayment terms and a straightforward application process.

Personal Loans

Designed for various personal needs, our personal loans* offer quick access to funds with manageable repayment terms. *Borrowers are required to be a Baltic Transit Bank customer for at least one year prior to applying for a Personal Loan. This service provides the flexibility you need for unexpected expenses or planned purchases.

Collateral Loans

Secure a loan using your valuable assets as collateral. This option provides you with the funds you need while leveraging your possessions for better terms. Collateral loans offer a practical way to access capital with the benefit of lower interest rates compared to unsecured loans.

Overdraft Protection

Avoid unexpected fees and maintain financial peace of mind with our overdraft protection services. This safeguard ensures you have access to funds even when your account balance falls short, helping you avoid overdraft fees and maintain smooth financial operations.

For additional consumer lending information or to discuss which option might be best for you, stop by any of our branch locations or call Customer Support at (978) 573-1300 during regular operating hours. Our team is here to help you navigate your financing options and find the solution that best meets your needs.