The APRs shown are as of March 25, 2013 and are available to a customer who has the credit score required by First Niagara Bank for its best rate, whose loan or line of credit meets any applicable loan-to-value requirement and, in the case of a home equity loan or line of credit, whose loan or line of credit is secured by the customer’s primary residence. Higher APRs are available to customers who do not meet these criteria. Additional relationship and ACH discounts may apply. All rates and terms are subject to credit qualification. Examples of monthly payments for various types of loans are as follows: The monthly payment for a fixed rate home equity loan of $30,000 in New York with an APR of 5.74% repayable in 120 months would be $329.16. The monthly payment for a fixed rate home equity loan of $30,000 in Connecticut, Massachusetts and Pennsylvania with an APR of 5.74% repayable in 120 months would be $329.16. The monthly payment for a home improvement loan of $10,000 with an APR of 9.99% repayable in 60 months would be $212.42. The monthly payment for an unsecured personal loan of $10,000 with an APR of 11.49% repayable in 48 months would be $260.84. The monthly payment for an auto loan of $20,000 with an APR of 6.24% repayable in 72 months would be $333.73.
By providing your ZIP code, we can customize our content to display the rates, products, locations and Mortgage Consultants in your area. Alternately, you can continue without ZIP code.