I started out at WSB as a part-time teller. I quickly learned what a supportive environment it was. The Bank invested in my Master's education, sent me to the New England School of Financial Studies, and supported my growth to the current position I'm in. Applying for that first position was the best decision I could have made. For those looking at opportunities at Watertown Savings Bank I'd say, give it a shot.
Personal Loans
Loans from a bank you know personally
Personal Loans
At Watertown Savings Bank, we recognize you have different projects and plans that may require financial solutions. Whether you want to make a special purchase, pay tuition bills, or consolidate existing loans into one manageable monthly payment, our lending professionals will help you identify the best plan that fits your financial goals. Get things done with a personal loan from Watertown Savings Bank. Apply now or meet with our Lending professionals.
Meet with Us
Ronald F. LeSanto
AVP, Residential Lending
617-928-2364
60 Main Street
Watertown, MA 02472
NMLS #536927
Julie Kermanidis
AVP, Residential Lending
617-928-2370
60 Main Street
Watertown, MA 02472
NMLS #2373120
Review our Current Personal Loan Rates: (As of May 19, 2025)
| Term | APR | Down Payment | Monthly P&I per $1,000 |
|---|---|---|---|
| Passbook Collateral Loan+ | +3.00% | N/A | N/A |
| New Auto 3 Year Loan* | 7.50% | 20% | $31.11 |
| New Auto 5 Year Loan* | 8.00% | 20% | $20.28 |
| Used Auto 4 Year Loan* | 9.00% | 20% | $24.89 |
| Unsecured Personal 4 Year Loan* | 14.50% | N/A | $27.58 |
APR stands for Annual Percentage Rate.
+Maximum Loan equal to 90% of Passbook balance.
*All rates shown above reflect the autopay option. To qualify for our autopay rate, you must have your monthly loan payments automatically withdrawn from a WSB checking account and a WSB debit card activated. Should you cancel your automated monthly withdrawal, your interest rate will change to the non-autopay rate. Non-autopay rates are .25% higher.
Subject to Credit Approval. Additional rates and terms available.
Annual Percentage Rates (APR) are subject to change without notice.
FEDERAL EQUAL CREDIT OPPORTUNITY ACT NOTICE
The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal Agency that administers compliance with this law concerning this creditor is: Federal Reserve Consumer Help P.O. Box 1200 Minneapolis, MN 55480
Testimonials about Watertown Savings Bank
Randy Buck, SVP HR, IT and Compliance
WSB Executive for over 30 years
Lisa Marie K., The Diner at 11 No. Beacon
WSB Deposit and Mortgage Customer since 2010
We were nervous about buying a house; it's such a huge purchase. But we had such a smooth and easy experience at Watertown Savings Bank. We sat down with the Vice President and just had a conversation. They made us feel so comfortable with the process. Now, I have the most beautiful home I could have ever hoped for! And I thank Watertown Savings Bank for that.
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