Applying for Individual Own Credit I am applying for an individual account in my own name and relying solely on my income or assets and not the income or assets of another person as the basis for repayment of the credit requested.
	Applying for Individual Credit Relying on Co-Borrower I am applying for an individual account, but am relying on income from alimony, child support, or separate maintenance or on the income or assets of another person as the basis for repayment of the credit requested. Alimony, child support, or separate maintenance income need not be revealed if you do not wish to have it considered as a basis for repayment.
	Applying for Joint Credit We are applying for a joint account or an account that we will use jointly. We will be relying on joint income and joint assets as a basis for repayment of the credit requested.
If you are not sure which type of credit to request, contact an EBANK Loan Officer for help.

BORROWER AND CO-BORROWER INFORMATION
Answer questions about you and your co-borrower's basic information, employment, and income.

COMPLETE THE NET WORTH CALCULATOR
Setup your assets and liabilities in EBANKS networth calculator. Enter information concerning your liquid and physical assets.

ENTER THE LOAN CENTER
Once you've finished entering your borrower information and net worth numbers, the EBANK Loan Center will appear. From the Loan Center you can apply for consumer credit loans.

Consumer Credit Loans
These loans are best used for personal items such as: New/Used Car, Jet Ski, Motorcycle, Boat, RV, etc.

Home Related Loans
When it's time to build, buy, or improve your home, we can help you with all your home related loan needs such as: Home Purchase Loans, New Construction Loans, Refinance Loans, and Home Equity Loans.

	Home Refinance Loan Interest rates can change and you may want to refinance your loan to lower your payment or pay off your debt sooner.
	New Construction or Construction-to-Permanent Loan When you're ready to build your home, EBANK can help you with your construction and also help you turn that construction loan into a permanent loan with one closing.
	Home Purchase Loan Purchase your new home with a variety of financing options from Earlham Bank.
	Home Equity or Improvement Loan Improve the value of your home with an addition, new garage, or finished basement. Home Equity Loans can also be used to payoff credit card debt.

COME BACK AT ANY TIME
When you have finished submitting a loan request, you can come back at anytime and begin a new loan application.
Just enter your username and password, and you will be taken to the EBANK Loan Center.

In the Loan Center your previous loan information will be securely stored, so you don't have to waste time filling out the same forms again. Just update your assets, liabilities, and net worth calculator; then start your new loan. It's that easy.