How to Apply for a Personal Loan Online

(March 03, 2022) - Are you ready to apply for a personal loan? Applying without a banker with you may seem intimidating, but our online applications are easy to use and will have your personal loan ready for you in no time!

Personal Loan Types

At NBT Bank, we have three personal loan types to achieve all of your personal, family and household needs: personal installment loans, Star Access lines of credit, and overdraft lines of credit. Each loan type has different uses, rates, and minimum and maximum loan amounts that vary depending on your needs. Start by deciding which loan type is best for you.

Personal Installment Loan

Our personal installment loan is the ideal loan when you need a specific dollar amount that will be paid back over a set number of years. It can be used for vehicle purchases, home improvements, debt consolidation, or any other personal purpose purpose other than educational expenses. Interested in achieving your dreams with a personal installment loan? Find out more about your options today.

Star Access Line of Credit

A Star Access line of credit is a great option for those who need the flexibility and ongoing availability that a personal line of credit offers. A Star Access account can be used for home improvements, unanticipated expenses, vacations, educational expenses or any other expense that requires a quick and flexible funding solution.Learn more about our star access line of credit.

Overdraft Line of Credit

An overdraft line of credit is a personal line that provides protection in case of an accidental checking account overdraft. Learn more about the overdraft line of credit.

Start Your Loan Application

After choosing the best loan type for your needs, you're ready to start the application process. You'll need one of the following:

  • Driver's License, Passport, Military ID, or State ID
  • Proof of U.S. Citizenship or Resident Alien Status

Now you're ready to begin your loan application with NBT Bank.

Following the submission of your loan application you can expect the following:

First – Check your email for a notification from our Personal Lending team. They will send you a decision on your application or a request for additional information.

Next – Following loan approval, you will coordinate your closing method, date and time with your Personal Lending Specialist.

Then – Sign your closing documents and your loan proceeds will be disbursed.

Enjoy the Benefits of a Personal Loan with NBT Bank

Now that you've learned how to apply for a personal loan online, you'll soon be able to enjoy all the benefits that an NBT Bank personal loan has to offer. We have convenient options to pay your personal loan. Using digital banking services makes making payments a breeze! See all our loan payment options and register today.

If you have any questions about your application, don't hesitate to contact us. Our team will be happy to help you.