{"data":{"path":"the-adirondack-trust-company/auto-loans","artwork":null,"name":"Auto Loans","officialName":"Auto Loans","type":"auto_loan","audience":"consumer","lifecycleStatus":"active","owner":{"name":"The Adirondack Trust Company","handle":"the-adirondack-trust-company"},"institution":{"name":"The Adirondack Trust Company","handle":"the-adirondack-trust-company"},"actualIssuerName":null,"standardOffer":{"id":"1398","offerKind":"standard","channel":null,"nameAsFiled":"Auto Loans","handle":null,"terms":{"productId":"2582","path":"the-adirondack-trust-company/auto-loans","name":"Auto Loans","officialName":"Auto Loans","aliases":[],"institutionId":"68783","institutionName":"The Adirondack Trust Company","institutionHandle":"the-adirondack-trust-company","issuerName":null,"productType":"auto_loan","audience":"consumer","audienceSegments":["consumer"],"lifecycleStatus":"active","offerKind":"standard","channel":null,"secured":null,"network":null,"targetedCreditTier":null,"gracePeriodDays":null,"minimumFinanceChargeCents":null,"balanceComputationMethod":null,"periodicFeeFrequency":null,"periodicFeeCents":null,"periodicFeeMinCents":null,"periodicFeeMaxCents":null,"purchaseRegularAllBps":null,"purchaseRegularNoScoreBps":null,"purchaseRegularPoorBps":null,"purchaseRegularGoodBps":null,"purchaseRegularGreatBps":null,"purchaseRegularMinBps":null,"purchaseRegularMaxBps":null,"purchaseIntroAllBps":null,"purchaseIntroNoScoreBps":null,"purchaseIntroPoorBps":null,"purchaseIntroGoodBps":null,"purchaseIntroGreatBps":null,"purchaseIntroMinBps":null,"purchaseIntroMaxBps":null,"balanceTransferRegularAllBps":null,"balanceTransferRegularNoScoreBps":null,"balanceTransferRegularPoorBps":null,"balanceTransferRegularGoodBps":null,"balanceTransferRegularGreatBps":null,"balanceTransferRegularMinBps":null,"balanceTransferRegularMaxBps":null,"balanceTransferIntroAllBps":null,"balanceTransferIntroNoScoreBps":null,"balanceTransferIntroPoorBps":null,"balanceTransferIntroGoodBps":null,"balanceTransferIntroGreatBps":null,"balanceTransferIntroMinBps":null,"balanceTransferIntroMaxBps":null,"cashAdvanceRegularAllBps":null,"cashAdvanceRegularNoScoreBps":null,"cashAdvanceRegularPoorBps":null,"cashAdvanceRegularGoodBps":null,"cashAdvanceRegularGreatBps":null,"cashAdvanceRegularMinBps":null,"cashAdvanceRegularMaxBps":null,"penaltyRegularAllBps":null,"penaltyRegularNoScoreBps":null,"penaltyRegularPoorBps":null,"penaltyRegularGoodBps":null,"penaltyRegularGreatBps":null,"penaltyRegularMinBps":null,"penaltyRegularMaxBps":null,"purchaseIntroDurationMonths":null,"balanceTransferIntroDurationMonths":null,"purchaseIntroNullReason":null,"balanceTransferIntroNullReason":null,"purchaseRateType":null,"variableRateIndex":null,"annualFeeAmountCents":null,"annualFeePercentBps":null,"annualFeeMinimumCents":null,"annualFeeNullReason":null,"purchaseTransactionFeeAmountCents":null,"purchaseTransactionFeePercentBps":null,"purchaseTransactionFeeMinimumCents":null,"purchaseTransactionFeeNullReason":null,"balanceTransferFeeAmountCents":null,"balanceTransferFeePercentBps":null,"balanceTransferFeeMinimumCents":null,"balanceTransferFeeNullReason":null,"cashAdvanceFeeAmountCents":null,"cashAdvanceFeePercentBps":null,"cashAdvanceFeeMinimumCents":null,"cashAdvanceFeeNullReason":null,"foreignTransactionFeeAmountCents":null,"foreignTransactionFeePercentBps":null,"foreignTransactionFeeMinimumCents":null,"foreignTransactionFeeNullReason":null,"latePaymentFeeAmountCents":null,"latePaymentFeePercentBps":null,"latePaymentFeeMinimumCents":null,"latePaymentFeeNullReason":null,"overLimitFeeAmountCents":null,"overLimitFeePercentBps":null,"overLimitFeeMinimumCents":null,"overLimitFeeNullReason":null,"returnedPaymentFeeAmountCents":null,"returnedPaymentFeePercentBps":null,"returnedPaymentFeeMinimumCents":null,"returnedPaymentFeeNullReason":null,"otherFeeAmountCents":null,"otherFeePercentBps":null,"otherFeeMinimumCents":null,"otherFeeNullReason":null,"lateRepeatFeeAmountCents":null,"availabilityScope":null,"availabilityStateCodes":[],"availabilityCountyScoped":null,"requirementsForOpening":null,"requirementRouteTypes":[],"featureTokens":[],"consumerWebsite":null,"consumerTelephone":null,"loanMinimumAmountCents":null,"loanMaximumAmountCents":null,"loanMinimumTermMonths":null,"loanMaximumTermMonths":null,"loanCollateralType":null,"loanRateMinBps":null,"loanRateMaxBps":null,"loanPrepaymentPenalty":null,"sourceKinds":["official_issuer"],"sourceDocumentPath":null,"sourceDocumentTitle":null,"sourceDocumentPage":null,"offerCount":1,"minPurchaseAprBps":null,"maxPurchaseAprBps":null,"freshness":"current"},"aprTerms":[],"fees":[],"cardTerms":null,"signupBonuses":[],"cardRewards":[],"cashBenefits":[],"cardLinks":[],"balanceTransferTerms":[],"loanTerms":{"effectiveFrom":"2026-10-04","effectiveTo":null,"lastObservedAt":"2026-10-04T10:46:16.927Z","sources":[{"snapshotId":"38304","sourceKind":"official_issuer","publisherName":"The Adirondack Trust Company","capturedAt":"2026-10-04T10:46:16.927Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.adirondacktrust.com/PERSONAL/Borrow/auto-loans","passageId":"2f4555a08fca4c0dbf742621c7ae9e22","pageNumber":null,"quote":"Auto Loans","recordId":"official-issuer:page:url:cc7e86e50ffd918531f75b809053ae381698159870d44610a5be63a0e5be4860","recordFields":[],"fieldKey":"loan_access"}],"currencyCode":"USD","minimumAmountCents":null,"minimumAmountNullReason":"not_parsed","maximumAmountCents":null,"maximumAmountNullReason":"not_parsed","minimumTermMonths":null,"minimumTermNullReason":"not_parsed","maximumTermMonths":null,"maximumTermNullReason":"not_parsed","collateralType":null,"collateralTypeNullReason":"not_parsed","maximumLoanToValueBps":null,"maximumLoanToValueNullReason":"not_parsed","drawPeriodMonths":null,"drawPeriodNullReason":"not_parsed","repaymentPeriodMonths":null,"repaymentPeriodNullReason":"not_parsed","prepaymentPenalty":null,"prepaymentPenaltyNullReason":"not_parsed","rateFloorBps":null,"rateFloorNullReason":"not_parsed","rateCapBps":null,"rateCapNullReason":"not_parsed"},"loanRateTiers":[],"rateDiscounts":[],"loanWithholdings":[{"fieldKey":"loan_access","reason":"unparsed_value","detail":"Auto Loans\nLet’s make today extraordinary and do more than dream about the car you want to buy. Purchase your dream vehicle with our lending team at your side. Our auto loans maximize your spending power by featuring competitive interest rates and flexible terms.","sources":[{"snapshotId":"38304","sourceKind":"official_issuer","publisherName":"The Adirondack Trust Company","capturedAt":"2026-10-04T10:46:16.927Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.adirondacktrust.com/PERSONAL/Borrow/auto-loans","passageId":"2f4555a08fca4c0dbf742621c7ae9e22","pageNumber":null,"quote":"Auto Loans","recordId":"official-issuer:page:url:cc7e86e50ffd918531f75b809053ae381698159870d44610a5be63a0e5be4860","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"38304","sourceKind":"official_issuer","publisherName":"The Adirondack Trust Company","capturedAt":"2026-10-04T10:46:16.927Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.adirondacktrust.com/PERSONAL/Borrow/auto-loans","passageId":"0c66bb20f8ae57af8c4ec6537c8812c3","pageNumber":null,"quote":"Let’s make today extraordinary and do more than dream about the car you want to buy. Purchase your dream vehicle with our lending team at your side. Our auto loans maximize your spending power by featuring competitive interest rates and flexible terms.","recordId":"official-issuer:page:url:cc7e86e50ffd918531f75b809053ae381698159870d44610a5be63a0e5be4860","recordFields":[],"fieldKey":"loan_access"}]}]},"offers":[{"id":"1398","offerKind":"standard","channel":null,"nameAsFiled":"Auto Loans","handle":null,"terms":{"productId":"2582","path":"the-adirondack-trust-company/auto-loans","name":"Auto Loans","officialName":"Auto Loans","aliases":[],"institutionId":"68783","institutionName":"The Adirondack Trust Company","institutionHandle":"the-adirondack-trust-company","issuerName":null,"productType":"auto_loan","audience":"consumer","audienceSegments":["consumer"],"lifecycleStatus":"active","offerKind":"standard","channel":null,"secured":null,"network":null,"targetedCreditTier":null,"gracePeriodDays":null,"minimumFinanceChargeCents":null,"balanceComputationMethod":null,"periodicFeeFrequency":null,"periodicFeeCents":null,"periodicFeeMinCents":null,"periodicFeeMaxCents":null,"purchaseRegularAllBps":null,"purchaseRegularNoScoreBps":null,"purchaseRegularPoorBps":null,"purchaseRegularGoodBps":null,"purchaseRegularGreatBps":null,"purchaseRegularMinBps":null,"purchaseRegularMaxBps":null,"purchaseIntroAllBps":null,"purchaseIntroNoScoreBps":null,"purchaseIntroPoorBps":null,"purchaseIntroGoodBps":null,"purchaseIntroGreatBps":null,"purchaseIntroMinBps":null,"purchaseIntroMaxBps":null,"balanceTransferRegularAllBps":null,"balanceTransferRegularNoScoreBps":null,"balanceTransferRegularPoorBps":null,"balanceTransferRegularGoodBps":null,"balanceTransferRegularGreatBps":null,"balanceTransferRegularMinBps":null,"balanceTransferRegularMaxBps":null,"balanceTransferIntroAllBps":null,"balanceTransferIntroNoScoreBps":null,"balanceTransferIntroPoorBps":null,"balanceTransferIntroGoodBps":null,"balanceTransferIntroGreatBps":null,"balanceTransferIntroMinBps":null,"balanceTransferIntroMaxBps":null,"cashAdvanceRegularAllBps":null,"cashAdvanceRegularNoScoreBps":null,"cashAdvanceRegularPoorBps":null,"cashAdvanceRegularGoodBps":null,"cashAdvanceRegularGreatBps":null,"cashAdvanceRegularMinBps":null,"cashAdvanceRegularMaxBps":null,"penaltyRegularAllBps":null,"penaltyRegularNoScoreBps":null,"penaltyRegularPoorBps":null,"penaltyRegularGoodBps":null,"penaltyRegularGreatBps":null,"penaltyRegularMinBps":null,"penaltyRegularMaxBps":null,"purchaseIntroDurationMonths":null,"balanceTransferIntroDurationMonths":null,"purchaseIntroNullReason":null,"balanceTransferIntroNullReason":null,"purchaseRateType":null,"variableRateIndex":null,"annualFeeAmountCents":null,"annualFeePercentBps":null,"annualFeeMinimumCents":null,"annualFeeNullReason":null,"purchaseTransactionFeeAmountCents":null,"purchaseTransactionFeePercentBps":null,"purchaseTransactionFeeMinimumCents":null,"purchaseTransactionFeeNullReason":null,"balanceTransferFeeAmountCents":null,"balanceTransferFeePercentBps":null,"balanceTransferFeeMinimumCents":null,"balanceTransferFeeNullReason":null,"cashAdvanceFeeAmountCents":null,"cashAdvanceFeePercentBps":null,"cashAdvanceFeeMinimumCents":null,"cashAdvanceFeeNullReason":null,"foreignTransactionFeeAmountCents":null,"foreignTransactionFeePercentBps":null,"foreignTransactionFeeMinimumCents":null,"foreignTransactionFeeNullReason":null,"latePaymentFeeAmountCents":null,"latePaymentFeePercentBps":null,"latePaymentFeeMinimumCents":null,"latePaymentFeeNullReason":null,"overLimitFeeAmountCents":null,"overLimitFeePercentBps":null,"overLimitFeeMinimumCents":null,"overLimitFeeNullReason":null,"returnedPaymentFeeAmountCents":null,"returnedPaymentFeePercentBps":null,"returnedPaymentFeeMinimumCents":null,"returnedPaymentFeeNullReason":null,"otherFeeAmountCents":null,"otherFeePercentBps":null,"otherFeeMinimumCents":null,"otherFeeNullReason":null,"lateRepeatFeeAmountCents":null,"availabilityScope":null,"availabilityStateCodes":[],"availabilityCountyScoped":null,"requirementsForOpening":null,"requirementRouteTypes":[],"featureTokens":[],"consumerWebsite":null,"consumerTelephone":null,"loanMinimumAmountCents":null,"loanMaximumAmountCents":null,"loanMinimumTermMonths":null,"loanMaximumTermMonths":null,"loanCollateralType":null,"loanRateMinBps":null,"loanRateMaxBps":null,"loanPrepaymentPenalty":null,"sourceKinds":["official_issuer"],"sourceDocumentPath":null,"sourceDocumentTitle":null,"sourceDocumentPage":null,"offerCount":1,"minPurchaseAprBps":null,"maxPurchaseAprBps":null,"freshness":"current"},"aprTerms":[],"fees":[],"cardTerms":null,"signupBonuses":[],"cardRewards":[],"cashBenefits":[],"cardLinks":[],"balanceTransferTerms":[],"loanTerms":{"effectiveFrom":"2026-10-04","effectiveTo":null,"lastObservedAt":"2026-10-04T10:46:16.927Z","sources":[{"snapshotId":"38304","sourceKind":"official_issuer","publisherName":"The Adirondack Trust Company","capturedAt":"2026-10-04T10:46:16.927Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.adirondacktrust.com/PERSONAL/Borrow/auto-loans","passageId":"2f4555a08fca4c0dbf742621c7ae9e22","pageNumber":null,"quote":"Auto Loans","recordId":"official-issuer:page:url:cc7e86e50ffd918531f75b809053ae381698159870d44610a5be63a0e5be4860","recordFields":[],"fieldKey":"loan_access"}],"currencyCode":"USD","minimumAmountCents":null,"minimumAmountNullReason":"not_parsed","maximumAmountCents":null,"maximumAmountNullReason":"not_parsed","minimumTermMonths":null,"minimumTermNullReason":"not_parsed","maximumTermMonths":null,"maximumTermNullReason":"not_parsed","collateralType":null,"collateralTypeNullReason":"not_parsed","maximumLoanToValueBps":null,"maximumLoanToValueNullReason":"not_parsed","drawPeriodMonths":null,"drawPeriodNullReason":"not_parsed","repaymentPeriodMonths":null,"repaymentPeriodNullReason":"not_parsed","prepaymentPenalty":null,"prepaymentPenaltyNullReason":"not_parsed","rateFloorBps":null,"rateFloorNullReason":"not_parsed","rateCapBps":null,"rateCapNullReason":"not_parsed"},"loanRateTiers":[],"rateDiscounts":[],"loanWithholdings":[{"fieldKey":"loan_access","reason":"unparsed_value","detail":"Auto Loans\nLet’s make today extraordinary and do more than dream about the car you want to buy. Purchase your dream vehicle with our lending team at your side. Our auto loans maximize your spending power by featuring competitive interest rates and flexible terms.","sources":[{"snapshotId":"38304","sourceKind":"official_issuer","publisherName":"The Adirondack Trust Company","capturedAt":"2026-10-04T10:46:16.927Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.adirondacktrust.com/PERSONAL/Borrow/auto-loans","passageId":"2f4555a08fca4c0dbf742621c7ae9e22","pageNumber":null,"quote":"Auto Loans","recordId":"official-issuer:page:url:cc7e86e50ffd918531f75b809053ae381698159870d44610a5be63a0e5be4860","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"38304","sourceKind":"official_issuer","publisherName":"The Adirondack Trust Company","capturedAt":"2026-10-04T10:46:16.927Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.adirondacktrust.com/PERSONAL/Borrow/auto-loans","passageId":"0c66bb20f8ae57af8c4ec6537c8812c3","pageNumber":null,"quote":"Let’s make today extraordinary and do more than dream about the car you want to buy. Purchase your dream vehicle with our lending team at your side. Our auto loans maximize your spending power by featuring competitive interest rates and flexible terms.","recordId":"official-issuer:page:url:cc7e86e50ffd918531f75b809053ae381698159870d44610a5be63a0e5be4860","recordFields":[],"fieldKey":"loan_access"}]}]}],"documents":[]}}