Apply for a Loan

When exploring your financing options, we believe you’ll want a financial institution you can feel comfortable with. Here at Niagara’s Choice, our loan officers are ready to assist you step-by-step through the loan process. Choose Niagara’s Choice because to us, you are more than your credit score.

  • Fast, easy process
  • Competitive, low rates and flexible terms
  • Apply on-line, in person or over the phone – contact us

Auto and Motorcycle Loans

Whether you are buying a new or used vehicle/motorcycle Niagara’s Choice is here to help you with your financing needs. Stop in or call any location today to apply to get pre-approved before you shop.

  • Pre-approvals made easy
  • New and used vehicles/motorcycles
  • Auto/motorcycle refinancing
  • Terms up to 7 years
  • Payment protection available to eligible members
  • Current Rates

Personal Loans

For the moments in life when there’s just not enough savings to pay for what you need, contact Niagara’s Choice to discuss your personal loan options. We are here to help make your situation a little easier. Let us know your needs; our loan officers are happy to discuss them with you. Stop in or call today.

  • Debt consolidation
  • No collateral needed
  • Terms up to 5 years
  • Payment protection available to eligible members
  • Current Rates

Credit Cards

Unsecured and Secured MasterCard

In today’s world, most credit cards provide interest rates that can change. Niagara’s Choice is proud to offer competitive, fixed interest rate credit cards with no annual fee. Stop in to apply today.

  • Unsecured and Secured MasterCard
  • Low, fixed interest rates
  • No annual fee
  • Balance transfers
  • MasterCard SecureCode
  • Payment protection available to eligible members
  • Current Rates

 

Recreational Loans

Looking for a little fun in your life? Niagara’s Choice is here to help finance a recreational vehicle for you.   Life is meant to be fun! Stop in or call today to apply.

  • Travel trailers
  • Campers
  • Boats
  • Personal watercrafts
  • Snowmobiles
  • ATV’s & UTV’s
  • Terms up to 6 years
  • Payment protection available to eligible members
  • Current Rates

 

RVs /Motor Homes

Are you a traveler? RVs can often be an expensive, long term commitment. Niagara’s Choice is happy to work with you to finance your investment with terms comfortable for you. Call us today for details.

  • New and used
  • Terms up to 20 years (loan must qualify for maximum term)
  • Payment protection available to eligible members
  • Current Rates

Antique/Classic Cars

Do you collect older cars? If so, we may be able to help you finance your next purchase. Stop in or call any Niagara’s Choice location today for details.

  • Terms up to 10 years
  • Payment protection available to eligible members
  • Current Rates

Mobile Homes

At Niagara’s Choice we are pleased to offer mobile home financing. Ask one of our loan officers for details today.

  • New and used
  • Terms up to 15 years
  • Payment protection available to eligible members
  • Current Rates

First Mortgage – OwnersChoice Funding

Niagara’s Choice in partnership with OwnersChoice, is pleased to offer our mortgage financing program. Whether you’re purchasing a home or refinancing your mortgage, you can look to us for trusted advice and exceptional service.


 

Home Equity Loans

Your home will most likely be your biggest investment in life. Why not use the available equity in your home to finance some of your most important purchases; vacation, school tuition, debt consolidation, home improvement, etc. Stop in to any Niagara’s Choice location to pick up a Home Equity packet today.

  • Home equity loans (Fixed rate and payment)
  • Home equity line of credit (Variable rate and payment)
  • Up to 85% loan to value
  • No annual fee
  • No closing costs available on eligible loans
  • Processing time 2-3 weeks
  • Payment protection available to eligible members
  • Current Rates

Loan Calculator

Simple Loan Calculator

Bankrate.com

Credit Life & Credit Disability