Good neighbors help you move forward.

Are you planning a major purchase? Tackling a project, growing your business, or managing unexpected expenses? Wells River Savings Bank offers lending solutions for your life and your goals. From personal loans and lines of credit to commercial financing for equipment, real estate, working capital, and expansion, our local lenders take the time to understand what you’re trying to accomplish and help you find the right fit.

Explore our loan options by clicking below, or contact us to start the conversation.

Personal Loans and Lines of CreditAuto Loans

Real Estate LoansCommercial Loans

Apply Now

For your convenience, here are links to our electronic consumer loan applications:

Consumer Loan ApplicationJoint Consumer Loan Application

Completed applications are sent directly to our Loan Department for review. If you have questions or would like guidance along the way, we’re just a phone call—or a branch visit—away.

Contact Our Loan Department

For more information, please contact us.

Rates Effective as of July 1, 2026

New Auto Loans

Used Auto Loans

ATV, Snowmobile, Boat & Motorcycle Loans

For more information, please contact a lender at 802-757-2361.

Rates and Programs are subject to change without notice.

VSI (Vendor Single Interest Insurance) is required on all types of loans listed above. The VSI fee is $40.

*APR’s on NEW Autos are based on $20,000 loan for the specified term and includes VSI fee
**APR’s on USED Autos are based on $4,000 for specified term and includes VSI and $95 Processing fees
$95.00 Processing fee waived on loans over $4,000.
The Annual Percentage Rate may be different when based on different terms

The Current Rates and Annual Percentage Rates (APRs) shown above indicate the range of interest rates and APRs associated with our risk-based pricing policy. The interest rate and APR applicable to an individual applicant’s loan will be determined based on the applicant’s TransUnion (Empirica) credit score. In the case of multiple applicants for the same loan, the interest rate and APR will be determined based on the highest TransUnion (Empirica) credit score of the applicants. Please contact a WRSB Branch Manager to determine the rate for which you qualify and for a full description of loan terms and conditions.

For more information, please contact us.

• Primary Residence – purchase or refinance- fixed rates with terms to meet your needs.
• Second/Vacation home – purchase or refinance- fixed rates with terms to meet your needs.
• Construction – for new construction, renovation or installation of manufactured or modular homes.
• VA – purchase or refinance – fixed rates with terms to meet your needs.
• Land only – purchase or refinance- fixed rates.
• Investment property – 1-4 family at fixed rates, owner occupied.
• Manufactured housing – single-wide or double-wide on its own parcel of land.
• Home Equity Line of Credit – a revolving loan account in which your home serves as collateral.
• Second Mortgages – a more traditional loan with a fixed amount of money repayable over a fixed period of time.

Contact Our Residential Lending Team

Apply now

Primary Residence & One Unit Second Homes

Rates Effective as of May 5, 2026

*APR based on $100,000 loan for the specified term and includes fees of ($650 processing, $25 Flood Determination, $46 Tax Research and $500 Title Settlement)
**APR based on $100,000 loan for the specified term and includes fees of ($650 processing, $25 Flood Determination, $3,300 VA Funding)

Primary residence requires minimum 5% down, second homes require 20% down unless otherwise indicated.
Loans with ltv greater than 80% require private mortgage insurance.
Loans are subject to credit approval.
Rates and terms are subject to change without prior notice.

(1) Risk-based Pricing – We use a system of risk-based pricing to determine the interest rate that we charge. Risk-based pricing is a system that evaluates the risk factors of your mortgage application and credit profile, and then adjusts the interest based on this risk evaluation. Your interest rate and APR may vary from those shown above, depending on your median credit score. Contact a WRSB Mortgage Loan Originator for more information regarding our risk-based pricing practices.
(2) Specific to first time home buyers and is subject to income eligibility restrictions and minimum credit score of 620

For more information, please contact us.

Secondary Market Saleable – Servicing Released

Conventional Fixed 1-4 Family Owner Occupied
All borrowers must have a minimum credit score of 620.
For more information, please contact one of our Mortgage Loan Originators at 802-757-2361.

Second Mortgages & Home Equity Lines of Credit

For more information, please contact one of our Mortgage Loan Originators at 802-757-2361.

Variable Rate Home Equity Loan

For more information, please contact one of our Mortgage Loan Originators at 802-757-2361.

Whether it is a short term or longer-term loan or a line of credit, Wells River Savings Bank is committed to ensuring the business community thrives.

Inquire here or contact our commercial loan officers listed below to learn more.