Personal Loan Process

What do I need to start my personal loan application process?

At NBT Bank, we understand that your time is important. That's why we created this easy to follow page to help guide you through the process of applying for a personal loan. Continue reading to see how you can enjoy the benefits of a personal loan with NBT Bank.

Step 1: Prior to Applying

The following suggestions can be helpful to identify what product may be best for you before you decide to apply.

Check your Annual Credit Report
Assess your spending
Budget for new or changed expenses
Determine what you can afford
Glossary

Apply Online

Loan Calculators

Loan Rates

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