CONSUMER CREDIT APPLICATION

Welcome to BSNB's online consumer loan application!

Applying online is fast and easy. In order to get started, please provide your zip code. BSNB accepts online applications from within our market area.

 CONSUMER CREDIT APPLICATION

Your zip code appears to be outside of BSNB's market area of Saratoga County, NY and surrounding communities. If you would like to speak with a representative about your specific situation, please contact us at 518 885-6781, Monday through Friday 8:00am to 6:00pm and Saturday from 9:00am to 1:00pm.

 CONSUMER CREDIT APPLICATION

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.  What this means for you: When you open an account, or apply for a loan, we will ask your name, address, date of birth, and other information that will allow us to identify you.  We may also ask to see your driver's license or other identifying documents.

Please indicate whether you intend to apply for individual or joint credit.  Applicants for joint credit should complete the applicable co-borrower sections of the application. Co-borrower information must be provided when the income or assets of a person other than the "Borrower" (including the Borrower's spouse) will be used as a basis for loan qualification, or the income or assets of the Borrower's spouse will not be used as a basis for loan qualification, but his or her liabilities must be considered because the Borrower resides in a community property state, the secured property is located in a community property state, or the Borrower is relying on other property located in a community property state as a basis for repayment of the loan.

You must be a U. S. Citizen with a U.S. address and Social Security number to apply online.

RED asterisk(*) by field name indicates required field

APPLICATION INFORMATION

Application for*:  

Amount Requested*:  $      Term (months)*:  

Application Type*: Individual    Joint

Purpose of Loan:
BORROWER
First Name*, MI, Last Name*, Suffix D.O.B.*: (MM/DD/YYYY) School Yrs Attended:
Present Street Address *

Notice:  Do not enter a P. O. Box unless you are currently serving in the military.
  City:   State: ZIP Code:
Number of Years at this address*: yrs. mos.
Own/Rent:
Former Street Address   City:   State: ZIP Code:
(if less than 2 years at present address)
Number of Years at this address:
Own/Rent:
Driver's License Number:      Personal Phone: (000-000-0000)
Driver's License State Issued: Business Phone: (000-000-0000)
Social Security Number*: Email Address:
Marital Status:

Married

Unmarried (including single, divorced, widowed)

Separated

Notice: Marital status should only be completed if applicant is applying for joint or secured credit, or if applicant resides in a community property state, or is relying on property located in such a state.
Dependents other than listed by Co-Borrower:   No.:   Ages:
Borrower Employment

Position/Title:
Years employed in this line of work or profession? yrs.
Length Employed: yrs. mos.
Name of Employer:
Street Address:
City:   State: ZIP:
CO-BORROWER
First Name*, MI, Last Name*, Suffix D.O.B.*: (MM/DD/YYYY) School Yrs Attended:
Present Street Address *


Notice:  Do not enter a P. O. Box unless you are currently serving in the military.
  City:   State:   ZIP Code:
Number of Years at this address*: yrs. mos.
Own/Rent:
Former Street Address   City:   State:   ZIP Code:
(if less than 2 years at present address)
Number of Years at this address:
Own/Rent:
Driver's License Number:   Personal Phone: (000-000-0000)
Driver's License State Issued:  Business Phone: (000-000-0000)
Social Security Number*: Email Address:
Marital Status:
Married
Unmarried (including single, divorced, widowed)
Separated
Notice: Marital status should only be completed if applicant is applying for joint or secured credit, or if applicant resides in a community property state, or is relying on property located in such a state.
Dependents other than listed by Borrower:   No.:   Ages:
Co-Borrower Employment

Position/Title:  
Years employed in this line of work or profession?
yrs.
Length Employed: yrs. mos.
Name of Employer:
Street Address:
City:   State:   ZIP:
GROSS MONTHLY INCOME MONTHLY HOUSING EXPENSE
Item Borrower Co-Borrower Total Item Total
Base Empl. Income $ $ $ Rent (Monthly Payment) $
        Own (Monthly Mortgage Including Taxes) $
DESCRIBE OTHER INCOME
NOTICE
+ Alimony, child support, or separate maintenance income need not be revealed if the Borrower or Co-Borrower does not choose to have it considered as a basis for repaying this loan.
Item Monthly Amount
$
$
IF EMPLOYED IN CURRENT POSITION LESS THAN 2 YEARS COMPLETE THE FOLLOWING
Borr/Co-Borr Previous Emplr./School City/State  Type of Bus. Position/Title Dates Monthly Income
$
$
LIABILITIES TO BE PAID OFF Unpaid Balance
Name of Creditor
Acct. No.
$
Name of Creditor
Acct. No.
$
Name of Creditor
Acct. No.
$
Name of Creditor
Acct. No.
$
Name of Creditor
Acct. No.
$
Name of Creditor
Acct. No.
$
TOTAL $
AUTO/RV/TRUCK LOAN
Purpose Purchase     Refinance
Name of Seller/Dealer (if purchase) Purchase Price: $
Seller Address City:   State:   ZIP Code:
Vehicle Info: VIN Number*:   Make*:    Model*:    Year*:
Condition: New    Used    Mileage: 
BOAT LOAN
Name of Seller/Dealer (If Purchase) Purchase Price: $ Amt to be Financed: $
Seller Address   City:   State:   ZIP Code:
Boat Info*: Hull/Serial #:         Length:             Engine Make:  
Year:          Boat Registration/Document #:   
Type:               Single      Inboard      Twin      Inboard/Outboard
Personal Reference
  Name and Address of
Nearest Relative Not living with you
Relationship to you Phone Number
Borrower
Co-Borrower
Information For Government Monitoring Purposes

The following information is requested by the Federal Government for certain types of loans related to a dwelling in order to monitor the lender's compliance with equal credit opportunity, fair housing, and home mortgage disclosure laws. You are not required to furnish this information, but are encouraged to do so. The law provides that a lender may discriminate neither on the basis of this information, nor on whether you choose to furnish it. If you furnish the information, please provide both ethnicity and race.  For race, you may check more than one designation.  If you do not furnish ethnicity, race, or sex, under Federal regulations, this lender is required to note the information on the basis of visual observation or surname.  If you do not wish to furnish the information, please check the box below.

BORROWER*     CO-BORROWER*
I do not wish to furnish this information.   I do not wish to furnish this information.
Ethnicity Hispanic or Latino
Not Hispanic or Latino
  Ethnicity Hispanic or Latino
Not Hispanic or Latino
Race/National
Origin
American Indian or Alaskan Native
Asian
Black or African American
Native Hawaiian or Other Pacific Islander
White
  Race/National
Origin
American Indian or Alaskan Native
Asian
Black or African American
Native Hawaiian or Other Pacific Islander
White
     
         
Sex Female Male   Sex Female Male
If the application is approved, what branch is most convenient for you to close the loan?*:
WOULD YOU LIKE TO HAVE YOUR PAYMENTS AUTOMATICALLY DEDUCTED FROM A CHECKING OR SAVINGS ACCOUNT?
Auto-Deduct?* Yes No  Account Type:
  Routing Transit Number (R/T) Account Number    

Attachments

If there are any attachments that you feel would be beneficial in support of your application, you may securely attach them here. If specific documents are required for processing your request, we will be in contact with you following our receipt of your application. Allowed file types include: doc, docx, pdf, zip ,rtf ,tif ,jpg, and gif

IMPORTANT: Maximum combined file size of 5MB

General Comments

How Did You Hear About Us?

Disclosure

– I agree to the following:

Certifications: I(We) certify that the information stated is complete and accurate, and has been furnished by me (us) knowing that you intend to rely on it in considering my (our) application.  I(We) understand that you may  request a consumer report in connection with this application and for purposes of updating, renewing or extending further credit, taking collection action on my loan or other legitimate purposes associated with my loan, and, if I(we) ask, I(we) will be informed whether or not such a report was requested and, if so, the name and address of the consumer reporting agency that furnished  I(We) also authorize you to check my(our) employment history.

Notice to Guarantor: If you are providing information to the Lender on this Application for the purpose of acting as a guarantor for one or more primary applicant(s) and the Lender determines that you, as a guarantor, do not meet the credit underwriting standards for this particular loan and/or amount, be advised that the Lender is required by law to, and will, provide an adverse action notice detailing the specific reasons for the credit denial directly to the primary applicant(s) and not to you.

As a guarantor, be prepared to share any specific reasons for adverse action based on your credit history with the primary applicant(s). If you are unwilling to share this information, you should not complete this application in the capacity of guarantor.

Important Information about Procedures for opening a new account:

To help the government fight the funding of terrorism and money laundering activities, Federal Law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

*Applicant's Signature     *Date

*Co-applicant's Signature