Personal Loan Options in Carthage, Clayton, and Watertown, NY

Home Mortgage Loans

Get your dream home with a Home Mortgage Loan from Carthage Savings. Our lenders are local and experienced in North Country Real Estate — they will guide you every step of the way.

VA Mortgage Loans

This loan is available to eligible members and former members of the U.S. military. Enjoy up to 100% financing for your dream home, flexible terms, and dedicated service from Carthage Savings.

Home Equity

Transition the equity you’ve built within your home into affordable financing for whatever you may need or want. We have Home Equity Loans and Lines of Credit to suit your needs.

Home Improvement Loans

Renovate your home to get it just the way you’ve always wanted it. Maybe you’ve dreamed of a bigger closet or new kitchen space — a Home Improvement Loan can help you get it!

No Closing Cost Mortgage Program

Take some of the anxiety out of buying a new home with our No Closing Cost Loan Programs

Construction Loans

Time to get the hard hat out. Our Construction Loans afford you the chance to build your home from scratch, and our experienced, attentive lenders keep the financial part of building hassle-free.

Personal Loans

At Carthage Savings and Loan, we make personal loans personal — by giving you a wide range of terms that can be customized to fit your situation. So you can finance what you need on your terms!

Auto Loans

The car you’ve been dreaming of has been waiting for you to drive it off the lot — now you can with a competitively low rate Auto Loan. Our lenders are local so you’ll get a decision fast.

Recreational Vehicle Loans

Whether on land or at sea, a Recreational Vehicle Loan can get you the perfect vehicle to create amazing experiences — like an RV, boat, or jet ski! Expect competitive rates and fast service.