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Tioga State Bank
Online Loan Application


Welcome:   Thank you for your interest in applying for a loan with Tioga State Bank.  If you need any assistance or have any questions about this application, please call our Customer Service Center at 888-303-4872.

What to expect:  The online application process takes approximately 15-20 minutes to complete.  You cannot save a partially completed application so it is important that you allow enough time to complete the process in its entirety.  Once you submit a complete application, we will contact you if we need any further information to make our credit decision. 

The following information will be required to complete the application process:

  • Full name and addresses of applicant(s)
  • Valid U.S. Social Security number
  • Income Data & Employment Information
  • Assets (Bank Account balances,etc.) and Liabilities (balance and payment information on other outstanding credit obligations)
  • Valid E-mail address
  • Year, Make, Model, Mileage and VIN number of Vehicle (Vehicle Requests)
  • Length and Series (Boat and RV Requests)

Important Requirements:

  • Borrowers must be at least 18 years of age
  • Applicants must reside in the Southern Tier of New York State or Northern Tier of Pennsylvania or have become a customer while residing in those areas or be otherwise known to Tioga State Bank

Types of Loans that you may apply for online:

  • Personal Loans (example: Debt Consolidation)
  • Ready Credit – Tioga State Bank Checking Account Line of Credit
  • Purchase or Refinance of Vehicle, Truck, Boat or Recreational Vehicle Loan
Note:  Please visit any office of Tioga State Bank to apply for a Real Estate Mortgage, Home Equity Loan, Home Improvement or Commercial Loan. 

Security Notice:  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 to you:  When you open an account, we will ask your name, address, date of birth,SocialSecurity number and other information that will allow us to identify you.  We may also ask to see your driver’s license or other identifying documents.



Loan Request
Do you intend to apply for individual or joint credit:
Individual Joint
Purpose of Loan:
Purchase or Refinance Auto, Truck, Boat, RV
Debt Consolidation Ready Credit
Amount Requested:
Desired Monthly Payment or Term Requested:
24 mos. 36 mos. 48 mos. 60 mos. Other


Applicant - Tell Us About Yourself
First Name
Middle Initial
Last Name

Date of Birth
Social Security No.
No. of Dependents

Mother's Maiden Name
Your E-Mail Address

Driver's License #
Driver's License State

Driver's License Issue Date
Driver's License Expiration Date

Home Phone
Best Time to Call
Work Phone

Are there any unsatisfied judgments against you? Yes No

Have you been declared bankrupt in the last 10 years? Yes No


Applicant - Your Residence
Your Primary Residence:
Own with Mortgage Own Clear Rent Other

Present Street Address
City
State
Zip

Years At Present Address
Your Monthly Rent or Mortgage Payment

Years At Previous Address
Your Previous Address

Applicant - Your Employment
Employed Self-Employed Retired Unemployed Student

Your Present Employer
Phone

Street Address
City
State
Zip

Years There
Your Position
Gross Monthly Salary

You do not have to list alimony, child support or separate maintenance
income unless you want us to consider it as a basis for your repayment
of the credit requested.
Other Monthly Income
Source of Other Income

Previous Employer
(if less than 2 years at current employer)
Years at Previous Employer

Position Held

Previous Employer
Street Address

City

State

Zip


Applicant - Additional Information
Bank Accounts
Your Checking Account No.
Institution Name
Your Savings Account No.
Institution Name


Are you obligated to make Alimony, Support, or Maintenance Payments? No Yes Monthly Amount


Joint Applicant - Tell Us About Yourself
First Name
Middle Initial
Last Name

Date of Birth
Social Security No.
No. of Dependents

Mother's Maiden Name
Your E-Mail Address

Driver's License #
Driver's License State

Driver's License Issue Date
Driver's License Expiration Date

Home Phone
Best Time to Call
Work Phone

Are there any unsatisfied judgments against you? Yes No

Have you been declared bankrupt in the last 10 years? Yes No


Joint Applicant - Residence
Your Primary Residence:
Own with Mortgage Own Clear Rent Other

Present Street Address
City
State
Zip

Years At Present Address
Your Monthly Rent or Mortgage Payment

Years At Previous Address
Your Previous Address

Joint Applicant - Employment
Employed Self-Employed Retired Unemployed Student

Your Present Employer
Phone

Street Address
City
State
Zip

Years There
Your Position
Gross Monthly Salary

You do not have to list alimony, child support or separate maintenance
income unless you want us to consider it as a basis for your repayment
of the credit requested.
Other Monthly Income
Source of Other Income

Previous Employer
(if less than 2 years at current employer) Joint Applicant
Years at Previous Employer

Position Held


Previous Employer
Street Address

City

State

Zip


Joint Applicant - Additional Information
Bank Accounts
Your Checking
Account No.
Institution
Name

Balance
Your Savings
Account No.
Institution
Name

Balance

Are you obligated to make Alimony, Support, or Maintenance Payments? No Yes Monthly Amount

If this loan will be used to purchase or refinance
an automobile, truck, boat, or RV, please provide
full description of collateral:
Year of Vehicle
Make
Model

Purchase Price
Down Payment
Finance Amount

Trade-In Yes No
Purchasing from Dealer Yes No

Dealer Name

If this loan is approved, which office of Tioga State Bank
is most convenient for you to pick up your proceeds and
sign the loan documentation at?

 


Required Certifications and Disclosures

Certifications
:
 
I (we) certify that the information stated in this online loan application is true, complete and accurate and has been furnished by me (us) knowing that you intend to rely on it in considering my (our) online application. Additionally, I (we) certify that I (we) am eighteen years of age or older.

I (we) authorize you to (1) verify any information given in this application, (2) obtain any information you believe to be appropriate in connection with this application or any review, update, extension, renewal or collection of any credit you provide to me (us) as a result of this application and (3) give information about me (us) and your experience with me (us) to others, such as banks, stores and credit reporting agencies.  I (we) agree to notify you immediately in writing if any information given in this application changes before you notify me (us) whether you will extend the credit I (we) have requested.

I (we) agree that you may keep this application, whether or not the application is approved.

By clicking the Submit Application buttonlocated at the bottom of this application, I(we) certify that I (we) have read and understand the above certification statements.


Disclosures:

The following disclosures are required by law because you are applying for credit from a bank.  You must indicate that you have read, understand and kept a copy for future reference of these disclosures before you can submit your application. 

1. Consumer Report:  I (we) authorize you to obtain a consumer report concerning me (us) in connection with (1) this application, any credit you provide to me as a result of this application or any other credit you provide to me now or in the future or (2) any review, update, extension or renewal of any credit you provide to me as a result of this application or any other credit you provide to me now or in the future.

2. Notice Concerning Consumer Reports:   I (we) acknowledge that (1) you may request a consumer report concerning me (us) in connection with this online application or for anyupdate, extension or renewal of any credit you provide to me as a result of this application, (2) upon request, you will tell me if you requested a consumer report and, if so, the name and address of the consumer reporting agency that furnished the report,  (3) to request the information, I (we) may call 888-303-4872 or write to Tioga State Bank, 1 N. Main Street, PO Box 386, Spencer, New York 14883, Attn: Consumer Loan Underwriter.

3. Disclosure Concerning Life and Disability Insurance:   In connection with your application to Tioga State Bank for an extension of credit, Federal and New York State law require disclosure to you that:
  • Life, Disability or Title Insurance purchased from, through or as a result of a referral by Tioga State Bank is NOT a deposit or other obligation of, or guaranteed by, Tioga State Bank or any affiliate of Tioga State Bank;
  • Life, Disability or Title Insurance purchased from, through or as a result of a referral by Tioga State Bank is NOT insured by the Federal Deposit Insurance Corporation (FDIC) or any other agency of the United States or by Tioga State Bank or any affiliate of Tioga State Bank;
  • Tioga State Bank may NOT condition the extension of credit on your purchase of life, disability or title insurance from, through or as a result of a referral by Tioga State Bank or any affiliate of Tioga State Bank or on your agreement not to obtain, or a prohibition on your obtaining, credit life, credit disability or title insurance from an entity not affiliated with Tioga State Bank; and
  • If Tioga State Bank requires you to have any insurance as a condition of the extension of credit, your choice of the company, broker or agent from or through which you obtain the insurance will not in any way affect either Tioga State Bank’s decision with respect to the credit or the terms of the credit.

Electronic Signature(s)
I (we) acknowledge that I (we) consent to receiving the above disclosures electronically and (2) I (we) have printed or downloaded for later access a copy of this online loan applicant statement including all consents and disclosures above.

Furthermore, I (we) agree that the submission of this application to you electronically constitutes the electronic signatures(s) on this application for each applicant for credit named in this online application. 



For more information about Tioga State Bank products and services,

please visit any TSB Office or call 888-303-4872.