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.

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.

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.

* indicates a required field

Applicant Information

Application Type*

Primary Borrower Information

Please do not enter a P.O. Box unless you are currently serving in the military.
Number of Years at this address:
(if less than 2 years at present address)
Number of Years at this address:
Marital Status:

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:
Length Employed:

Co-Borrower Information

Current Address
Please do not enter a P.O. Box unless you are currently serving in the military.
Number of years at this address:
(if less than 2 years at present address)
Number of Years at this address:
Marital Status:

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:
Length Employed:

Gross Monthly Income

Base Employment Income:

Monthly Housing Expense

(Monthly Payment)
(Monthly Mortgage Including Taxes)

Describe Other Income

Note - 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.

If employed in current position less than 2 years, please complete the following:

Liabilities to be Paid Off

Information for Auto/RV/Truck Loan

Purpose
(if for purchase)
Vehicle Information:
Condition:

Information for Boat Loan

(if for purchase)
Boat Information:*
Type:

Personal Reference

Please provide the name and address of the nearest relative not living with you below.

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:*
Ethnicity
Race/National Origin
Sex
Co-Borrower:*
Ethnicity
Hispanic or Latino
Not Hispanic or Latino
Race/National Origin
Sex

If the application is approved, what branch is most convenient for you to close the loan?*

Fill out the information below to have your payments automatically deducted from a checking or savings account:

Auto deduct payment?*

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.

Please Note:

Disclosure

Certification:*

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.