{"data":{"path":"the-adirondack-trust-company/personal-loans","artwork":null,"name":"Personal Loans","officialName":"Personal Loans","type":"personal_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":"1399","offerKind":"standard","channel":null,"nameAsFiled":"Personal Loans","handle":null,"terms":{"productId":"2583","path":"the-adirondack-trust-company/personal-loans","name":"Personal Loans","officialName":"Personal Loans","aliases":[],"institutionId":"68783","institutionName":"The Adirondack Trust Company","institutionHandle":"the-adirondack-trust-company","issuerName":null,"productType":"personal_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":"2026-10-04T10:50:29.294Z","sources":[{"snapshotId":"38295","sourceKind":"official_issuer","publisherName":"The Adirondack Trust Company","capturedAt":"2026-10-04T10:44:20.057Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.adirondacktrust.com/PERSONAL/Borrow/Personal-Loans","passageId":"413a38866723ec40a09cd876d8343d3f","pageNumber":null,"quote":"Personal Loans","recordId":"official-issuer:page:url:a3fc066f9d825eb520f49b70212f8676f00c49860f24df6d929f8fa88cca9200","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"38996","sourceKind":"official_issuer","publisherName":"The Adirondack Trust Company","capturedAt":"2026-10-04T10:50:29.294Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.adirondacktrust.com/PERSONAL/Borrow/personal-loans","passageId":"2ce361330d001faafa8d7b2c5c343c8d","pageNumber":null,"quote":"Personal Loans","recordId":"official-issuer:page:url:c3ce804362d20436c584aaeeb34b056b23937c18ef7be2d922400b6bf2a0a9b5","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":"Personal Loans\nOur personal loans empower you and help you reach your financial goals. This one-time funding can help cover a number of expenses, and we’re here to provide sound financial guidance every step of the way.","sources":[{"snapshotId":"38295","sourceKind":"official_issuer","publisherName":"The Adirondack Trust Company","capturedAt":"2026-10-04T10:44:20.057Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.adirondacktrust.com/PERSONAL/Borrow/Personal-Loans","passageId":"413a38866723ec40a09cd876d8343d3f","pageNumber":null,"quote":"Personal Loans","recordId":"official-issuer:page:url:a3fc066f9d825eb520f49b70212f8676f00c49860f24df6d929f8fa88cca9200","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"38295","sourceKind":"official_issuer","publisherName":"The Adirondack Trust Company","capturedAt":"2026-10-04T10:44:20.057Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.adirondacktrust.com/PERSONAL/Borrow/Personal-Loans","passageId":"1dd1834a2e1647751253dc8feb6dd5ba","pageNumber":null,"quote":"Our personal loans empower you and help you reach your financial goals. This one-time funding can help cover a number of expenses, and we’re here to provide sound financial guidance every step of the way.","recordId":"official-issuer:page:url:a3fc066f9d825eb520f49b70212f8676f00c49860f24df6d929f8fa88cca9200","recordFields":[],"fieldKey":"loan_access"}]},{"fieldKey":"loan_access","reason":"unparsed_value","detail":"Personal Loans\nOur personal loans empower you and help you reach your financial goals. This one-time funding can help cover a number of expenses, and we’re here to provide sound financial guidance every step of the way.","sources":[{"snapshotId":"38996","sourceKind":"official_issuer","publisherName":"The Adirondack Trust Company","capturedAt":"2026-10-04T10:50:29.294Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.adirondacktrust.com/PERSONAL/Borrow/personal-loans","passageId":"2ce361330d001faafa8d7b2c5c343c8d","pageNumber":null,"quote":"Personal Loans","recordId":"official-issuer:page:url:c3ce804362d20436c584aaeeb34b056b23937c18ef7be2d922400b6bf2a0a9b5","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"38996","sourceKind":"official_issuer","publisherName":"The Adirondack Trust Company","capturedAt":"2026-10-04T10:50:29.294Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.adirondacktrust.com/PERSONAL/Borrow/personal-loans","passageId":"0db16027352940f9ccbec8241c84f9a9","pageNumber":null,"quote":"Our personal loans empower you and help you reach your financial goals. This one-time funding can help cover a number of expenses, and we’re here to provide sound financial guidance every step of the way.","recordId":"official-issuer:page:url:c3ce804362d20436c584aaeeb34b056b23937c18ef7be2d922400b6bf2a0a9b5","recordFields":[],"fieldKey":"loan_access"}]}]},"offers":[{"id":"1399","offerKind":"standard","channel":null,"nameAsFiled":"Personal Loans","handle":null,"terms":{"productId":"2583","path":"the-adirondack-trust-company/personal-loans","name":"Personal Loans","officialName":"Personal Loans","aliases":[],"institutionId":"68783","institutionName":"The Adirondack Trust Company","institutionHandle":"the-adirondack-trust-company","issuerName":null,"productType":"personal_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":"2026-10-04T10:50:29.294Z","sources":[{"snapshotId":"38295","sourceKind":"official_issuer","publisherName":"The Adirondack Trust Company","capturedAt":"2026-10-04T10:44:20.057Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.adirondacktrust.com/PERSONAL/Borrow/Personal-Loans","passageId":"413a38866723ec40a09cd876d8343d3f","pageNumber":null,"quote":"Personal Loans","recordId":"official-issuer:page:url:a3fc066f9d825eb520f49b70212f8676f00c49860f24df6d929f8fa88cca9200","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"38996","sourceKind":"official_issuer","publisherName":"The Adirondack Trust Company","capturedAt":"2026-10-04T10:50:29.294Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.adirondacktrust.com/PERSONAL/Borrow/personal-loans","passageId":"2ce361330d001faafa8d7b2c5c343c8d","pageNumber":null,"quote":"Personal Loans","recordId":"official-issuer:page:url:c3ce804362d20436c584aaeeb34b056b23937c18ef7be2d922400b6bf2a0a9b5","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":"Personal Loans\nOur personal loans empower you and help you reach your financial goals. This one-time funding can help cover a number of expenses, and we’re here to provide sound financial guidance every step of the way.","sources":[{"snapshotId":"38295","sourceKind":"official_issuer","publisherName":"The Adirondack Trust Company","capturedAt":"2026-10-04T10:44:20.057Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.adirondacktrust.com/PERSONAL/Borrow/Personal-Loans","passageId":"413a38866723ec40a09cd876d8343d3f","pageNumber":null,"quote":"Personal Loans","recordId":"official-issuer:page:url:a3fc066f9d825eb520f49b70212f8676f00c49860f24df6d929f8fa88cca9200","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"38295","sourceKind":"official_issuer","publisherName":"The Adirondack Trust Company","capturedAt":"2026-10-04T10:44:20.057Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.adirondacktrust.com/PERSONAL/Borrow/Personal-Loans","passageId":"1dd1834a2e1647751253dc8feb6dd5ba","pageNumber":null,"quote":"Our personal loans empower you and help you reach your financial goals. This one-time funding can help cover a number of expenses, and we’re here to provide sound financial guidance every step of the way.","recordId":"official-issuer:page:url:a3fc066f9d825eb520f49b70212f8676f00c49860f24df6d929f8fa88cca9200","recordFields":[],"fieldKey":"loan_access"}]},{"fieldKey":"loan_access","reason":"unparsed_value","detail":"Personal Loans\nOur personal loans empower you and help you reach your financial goals. This one-time funding can help cover a number of expenses, and we’re here to provide sound financial guidance every step of the way.","sources":[{"snapshotId":"38996","sourceKind":"official_issuer","publisherName":"The Adirondack Trust Company","capturedAt":"2026-10-04T10:50:29.294Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.adirondacktrust.com/PERSONAL/Borrow/personal-loans","passageId":"2ce361330d001faafa8d7b2c5c343c8d","pageNumber":null,"quote":"Personal Loans","recordId":"official-issuer:page:url:c3ce804362d20436c584aaeeb34b056b23937c18ef7be2d922400b6bf2a0a9b5","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"38996","sourceKind":"official_issuer","publisherName":"The Adirondack Trust Company","capturedAt":"2026-10-04T10:50:29.294Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.adirondacktrust.com/PERSONAL/Borrow/personal-loans","passageId":"0db16027352940f9ccbec8241c84f9a9","pageNumber":null,"quote":"Our personal loans empower you and help you reach your financial goals. This one-time funding can help cover a number of expenses, and we’re here to provide sound financial guidance every step of the way.","recordId":"official-issuer:page:url:c3ce804362d20436c584aaeeb34b056b23937c18ef7be2d922400b6bf2a0a9b5","recordFields":[],"fieldKey":"loan_access"}]}]}],"documents":[]}}