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Affording life’s smaller financial necessities often can be more challenging than managing the bigger ones. At Mass Bay, we don’t believe our Members should pay unnecessarily high rates to handle things like tuition payments, vacations, holiday spending, debt management and other expenses that are part of everyday life. So while we think you will like our broad range of financing solutions, we know you will love our rates.
Don’t like the payment you have now? Re-write it at a better rate and enjoy our flexible terms. Our Re-Write Loan gives you a low fixed-interest rate that will never increase and time to make the payments more manageable with your budget.
Because we’re your credit union, we believe you should not have to pay a high interest rate just to take a vacation or spend during the holidays. Try one of our special fixed rate vacation and holiday loans.
Borrow for almost any reason with flexible terms. Your rate and dollar limit will be determined by your credit worthiness, but you can use the proceeds any way you like. It’s our most flexible financing solution and always offers a competitive interest rate.
Pay for life's expenses. The Lifestyle Loan gives you the chance to purchase furniture, pay for a wedding, or even buy a bicycle at a great low rate. Anything your life needs!
Not sure just how much money you’re going to need? Our Open- End Loans give you the flexibility you’re looking for. Apply for a maximum amount, and then draw what you need when you need it. You will only owe payments on what you actually draw out, minimizing your interest expense.
Secure your personal loan with funds in your Mass Bay savings account or Certificate, and you’ll reduce your interest rate dramatically. Use the proceeds for any purpose.
Have you ever accidentally miscalculated your balance? It happens to everyone at some point or another. With our overdraft line of credit, your approved credit line will be there for you when you need it.
Members may qualify for a ZERO-PERCENT loan to use for the purchase of qualified energy-efficient improvements in their homes through our partnership with Mass Save®.
*Monthly Payment is $11.90 per $1,000.00 borrowed. Subject to credit approval. MassSave qualification restrictions may apply.
Eligible energy efficiency improvements may include:
To learn more about Heat Loans visit here.
Sallie Mae® student loans are designed for the needs of all types of students.
Smart Option Student Loan® for undergraduate and career training students.
Plus, the graduate loan suite is designed to meet the needs of students in specific fields of study.
Find out which loan is right for you.
We encourage students and families to start with savings, grants, scholarships, and federal student loans to pay for college. Students and families should evaluate all anticipated monthly loan payments, and how much the student expects to earn in the future, before considering a private student loan. These loans are made by Sallie Mae Bank. Mass Bay Credit Union is not the creditor for these loans and is compensated by Sallie Mae for the referral of loan customers. Applications are subject to a requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply. Click here for additional eligibility information about each product.* Although we do not charge a penalty or fee if you prepay your loan, any prepayment will be applied as outlined in your promissory note—first to Unpaid Fees and costs, then to Unpaid Interest, and then to Current Principal. SALLIE MAE RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS, SERVICES, AND BENEFITS AT ANY TIME WITHOUT NOTICE. ©2023 Sallie Mae Bank. All rights reserved. Sallie Mae, the Sallie Mae logo, and other Sallie Mae names and logos are service marks or registered service marks of Sallie Mae Bank. All other names and logos used are the trademarks or service marks of their respective owners. SLM Corporation and its subsidiaries, including Sallie Mae Bank, are not sponsored by or agencies of the United States of America.