Thank you for choosing NBT Bank.

Please note that certain online loan applications may be eligible to close digitally. Closings for transactions that are secured with collateral must take place in an NBT Bank Branch. Please click here to find the branch location nearest to you. Our branches are located in New York, Pennsylvania, Massachusetts, New Hampshire, Maine, Vermont and Connecticut.

This loan application process should take approximately 10 minutes, and you will need the following items:

• Driver's License, Passport, Military ID or State ID
• U.S. Social Security Number
• U.S. Citizenship or Resident Alien Status

For your security, the system will log you off if there is no activity for 15 minutes.

Important Information About Procedures for Applying for a Loan
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 a new 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.

Our Privacy Policy
Protection of your privacy is important to us. To read more about how we protect your personal information, review our
Privacy Policy.

Your Credit History
As part of processing your application we will request a credit report and use the information contained in it to evaluate your loan application.

E-Sign Disclosure and Consent. The E-Sign Disclosure and Consent applies to communications for the application you are about to submit and may apply to any products for which you are approved.