Step 1 Application Type
Is this an Individual or Joint Application?*
Joint You must select an option
Individual or Joint Application?
Complete an individual application if you want the loan in your name only. We will consider only your income, obligations and credit history in making our decision to grant or deny credit to you.
Complete a joint application if (1) you want another person to use the account, (2) you want another individual to share in the obligation or (3) you are relying in whole or in part on the income of another individual to repay this loan. We will consider the income, obligations and credit history of both applicants in making our decision to grant or deny the credit requested. If credit is granted to joint applicants, both parties are jointly and severally liable for the repayment of the debt.
We intend to apply for joint credit
How Much Do I Request?
The loan amount depends on the type of credit requested. For instance, if you are requesting a loan to purchase a new vehicle, we will generally lend up to 90% of the purchase price. For used vehicles, we will lend up to 85% of the NADA trade-in value of the vehicle. For mortgages and home equity loans, we will lend up to 80% of the purchase price or appraised value. Under some circumstances, we may lend up to 89.9% of the appraised value of your real estate.
An excellent and substantial credit record is needed to qualify for our lowest rates.
Your total gross income must be sufficient to satisfy the bank’s debt-to-income ratio guidelines. Joint applicants may combine their monthly income to qualify.
Read and agree to the
JSB Loan Application Disclosure Statement
I/We hereby apply for the loan or credit described in this application. I/We certify that I/we made no misrepresentations in this loan application or in any related documents, that all information is true and complete, and that I/we did not omit any important information. I/We agree that any property securing the loan or credit will not be used for any illegal or restricted purpose. Lender is authorized to verify with other parties and to make any investigation of my/our credit, either directly or through any agency employed by Lender for that purpose. Lender may disclose to any other interested parties information as to Lender's experiences or transactions with my/our account. I/We understand that Lender will retain this application and any other credit information Lender receives, even if no loan or credit is granted. These representations and authorizations extend not only to Lender, but also to any insurer of the loan and to any investor to whom Lender may sell all or any part of the loan. I/We further authorize Lender to provide to any such insurer or investor any information and documentation that they may request with respect to my/our application, credit or loan.
Loan Application Disclosure Agreement
I agree to the terms and conditions of the JSB Loan Application Disclosure Statement. You must agree to the disclosure statement Continue
Step 2 Applicant
Time at Current Residence: (Enter months if less than 1 year) Previous Address
Please provide only if at your current residence less than 2 years.
Time at Previous Residence: (Enter months if less than 1 year) Mailing Address (if different than residential address)
Primary Residence Ownership:
Other Employment Information
Time with Current Employer: (Enter months if less than 1 year) Previous Employment Information
Please provide only if at your current employer less than 2 years.
Time with Previous Employer: (Enter months if less than 1 year) Liquid Assets / Other Income
Loan Amount Requested:
0 Terms in Years:
Is this loan secured or unsecured?
Unsecured Notification of Credit Decision
If you submit this loan application during our regular business hours which are 8 a.m. to 4:00 p.m., Monday – Friday and 8 a.m. to noon on Saturdays Eastern time, we will normally contact you no later than the following business day. In most cases, you will receive our decision by e-mail. However, we may call you with our decision or to ask you additional questions.
Please indicate which phone number you prefer us to use.
Please note any special time or range of times which you desire us to contact you, if different from above. We can contact you at any time during our regular business hours.
By clicking the button below, you certify that all of the statements in this application are true and complete and are made for the purpose of obtaining credit. You authorize Jefferson Security Bank to retain and rely on this application, and to obtain additional information, including credit reports. In addition, you acknowledge your receipt of our privacy notice, linked below.
Jefferson Security Bank privacy notice PDF (Opens in a new window) Submit