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Loan Application

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Ready to Apply? Are you applying as a Business or Consumer? *

Purpose

Loan Type *
New or used *

Step 1 of 7

Purpose

Loan Type *
New or used *

Step 1 of 5

Business Information

The following information is required to process your loan request(s). Please complete all sections

Select the entity type that applies to your business: *

Step 2 of 7

Business Debt Schedule

Step 3 of 7

Guarantor Information

The following information is required to process your loan request(s). Please complete all sections

U.S. Citizen?
Do you pay child support? *
Do you pay alimony? *
Any outstanding liens or judgments against you? *

If you reside in a community property state (AZ, CA, ID, LA, NM, NV, TX, WA, WI), please provide the name and social security number of your spouse or other person who has community property rights pursuant to state law.

U.S. Citizen?
Do you pay child support? *
Do you pay child alimony? *
Any outstanding liens or judgments against you? *

If you reside in a community property state (AZ, CA, ID, LA, NM, NV, TX, WA, WI), please provide the name and social security number of your spouse or other person who has community property rights pursuant to state law.

Step 4 of 7

Declarations

The following questions are required to process your business loan request(s)

Is the applicant party to any lawsuit or subject to outstanding judgments? *
Is the applicant party to any taxes or credit obligations past due? *
Has the applicant ever filed personal bankruptcy or served as an officer or owner of a company that filed bankruptcy? *
Is the applicant presently under indictment, probation or parole, or ever been charged or convicted for any criminal offense other than a minor vehicle violation? *
Is the applicant a political party, a campaign, a candidate, a public official or foreign political official or an immediate family member of such an official, or a business entity formed by or for the benefit of any public official? *
Is the applicant or an owner an employee, officer or director of River Valley Bank or River Valley Insurance? *
Is the applicant engaged in internet gambling? *

USA Patriot Act Information

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 that opens an account. The Bank Secrecy Act and the USA Patriot Act were created to aid the government in the fight against crimes to evade financial measures designed to combat terrorism and other national security threats. WHEN OPENING A BUSINESS ACCOUNT: Each time an account is opened for a covered Business Account, we are required to ask you for identifying information (name, address, date of birth, social security number, and other information) for each individual that will be a signer on the account, has beneficial ownership (25% or more) and one individual that has significant managerial control of the Business. If you are opening an account on behalf of a Business, you will be required to provide the appropriate documentation and to certify that this information is true and accurate to the best of your knowledge.

Representation

The undersigned certifies that I intend to apply for credit in the manner indicated in this application and certify that everything stated in this application and on any attachment is complete and accurate. IncredibleBank, a division of River Valley Bank, may keep this application whether or not it is approved. I certify that the credit being applied for will be used for business purposes. My signature also certifies that the information on this application and all supporting documentation is true, that my intent is to apply for business purpose credit in which the use of the proceeds will not be used to secure a personal dwelling or for home improvements and that I am aware that this application is not a commitment to lend. I understand that I may be required to submit additional information to IncredibleBank, a division of River Valley Bank, in order to process this business loan request(s). My signature on this application authorizes IncredibleBank, a division of River Valley Bank, to perform an investigation into the creditworthiness of my business which may include, but is not limited to, IncredibleBank, a division of River Valley Bank, obtaining credit reporting information on each individual applicant, owner or guarantor.For Wisconsin residents only: No provision of a marital property agreement, unilateral statement under s.766.59, Wis. Stats, or a court decree under s.766.70, Wis. Stats, adversely affects the interest of the creditor unless the creditor, prior to the time the credit is granted, is furnished a copy of the agreement, statement or decree or has actual knowledge of the adverse provision when the obligation to the creditor is incurred.

Step 5 of 7

Personal Financial Statement

Representations and Warranties: I/We hereby certify that the information contained in the completed or attached financial statement (the “Financial Statement”) is provided to induce IncredibleBank (“IB”) to extend or to continue the extension of credit to the undersigned or to others upon the guarantee of the undersigned. The undersigned acknowledge and understand that IB is relying upon the information provided in the Financial Statement in deciding to grant or continue credit or to accept a guarantee thereof. Each of the undersigned represents, warrants and certifies that the information provided in the Financial Statement is true, correct and complete. Each of the undersigned agrees to notify IB immediately and in writing of any change in name, address, or employment and of any material adverse change (1) in any of the information contained in the Financial Statement or (2) in the financial condition of any of the undersigned or (3) in the ability of any of the undersigned to perform its (or their) obligations to IB. In the absence of such notice or a new and full written statement, the Financial Statement should be considered as a continuing statement and substantially correct. If the undersigned fail to notify IB as required above, or if any of the information in the Financial Statement should prove to be inaccurate or incomplete in any material respect, IB may declare the indebtedness of the undersigned and/or indebtedness guaranteed by the undersigned, as the case may be, immediately due and payable. IB is authorized to make all inquiries IB deems necessary to verify the accuracy of the information contained in the Financial Statement and to determine the credit-worthiness of the undersigned. The undersigned authorize any person or consumer reporting agency to give IB any information it may have on the undersigned. Each of the undersigned authorizes IB to answer questions about IB’s credit experience with the undersigned. As long as any obligation or guarantee of the undersigned to IB is outstanding, the undersigned shall supply IB an updated financial statement as requested. The Financial Statement and any other financial or other information that the undersigned give IB shall be IB’s property. This certification is binding upon each of the undersigned and is for the benefit of IB, it successors and assigns.

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Assets:

Deposit on RV being purchased (if already made):




Liabilities:


Step 6 of 7

Notice of Intent to Apply for Joint Credit



Borrower Information

U. S. Citizen? *
Do you pay child support? *
Do you pay alimony? *
Any outstanding liens or judgments against you? *

If you reside in a community property state (AZ, CA, ID, LA, NM, NV, TX, WA, WI), please provide the name and social security number of your spouse or other person who has community property rights pursuant to state law.

Co-Borrower Information

The following information is required to process your loan request(s). Please complete all sections

U. S. Citizen? *
Do you pay child support? *
Do you pay child alimony? *
Any outstanding liens or judgments against you? *

If you reside in a community property state (AZ, CA, ID, LA, NM, NV, TX, WA, WI), please provide the name and social security number of your spouse or other person who has community property rights pursuant to state law.

Step 2 of 5

Declarations

The following questions are required to process your consumer loan request(s)

Is the applicant party to any lawsuit or subject to outstanding judgments? *
Is the applicant party to any taxes or credit obligations past due? *
Has the applicant ever filed personal bankruptcy or served as an officer or owner of a company that filed bankruptcy? *
Is the applicant presently under indictment, probation or parole, or ever been charged or convicted for any criminal offense other than a minor vehicle violation? *
Is the applicant a political party, a campaign, a candidate, a public official or foreign political official or an immediate family member of such an official, or a business entity formed by or for the benefit of any public official? *
Is the applicant or an owner an employee, officer or director of River Valley Bank or River Valley Insurance? *

USA Patriot Act Information

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 that opens an account. The Bank Secrecy Act and the USA Patriot Act were created to aid the government in the fight against crimes to evade financial measures designed to combat terrorism and other national security threats. WHAT THAT MEANS FOR YOU: Anytime a new account is opened, whether you are a new or existing customer, you will be asked for you name, address, date of birth, social security number, and other information that will allow us to better identify you. You may be asked additional questions or asked to provide additional forms of identification to further help us confirm your identity.

Representation

The undersigned certifies that I intend to apply for credit in the manner indicated in this application and certify that everything stated in this application and on any attachment is complete and accurate. IncredibleBank, a division of River Valley Bank, may keep this application whether or not it is approved. I certify that the credit being applied for will be used for consumer purposes. My signature also certifies that the information on this application and all supporting documentation is true, that my intent is to apply for consumer credit in which the use of the proceeds will not be used to secure a personal dwelling or for home improvements and that I am aware that this application is not a commitment to lend. I understand that I may be required to submit additional information to IncredibleBank, a division of River Valley Bank, in order to process this consumer loan request(s). My signature on this application authorizes IncredibleBank, a division of River Valley Bank, to perform an investigation into my creditworthiness which may include, but is not limited to, IncredibleBank, a division of River Valley Bank, obtaining credit reporting information on each individual applicant. Wisconsin Residents: No provision of a marital property agreement, unilateral statement under s.766.59, Wis. Stats, or a court decree under s.766.70, Wis. Stats, adversely affects the interest of the creditor unless the creditor, prior to the time the credit is granted, is furnished a copy of the agreement, statement or decree or has actual knowledge of the adverse provision when the obligation to the creditor is incurred. California Residents: An applicant, if married, may apply for a separate account. Maine and TennesseeResidents: You must have physical damage insurance covering loss or damage to the vehicle for the term of the contract. For a lease, you must also have the liability insurance as described in the lease. You may purchase required insurance through any insurance agent or broker and from any insurance company that is reasonably acceptable to us. You are not required to deal with any of our affiliates when choosing an agent, broker or insurer. Your choice of a particular insurance agent, broker, or insurer will not affect our credit decision, so long as the insurance provides adequate coverage with an insurer who meets our reasonable requirements. New Hampshire Residents: If you are applying for a balloon payment contract, you are entitled, if you ask, to receive a written estimate of the monthly payment for refinancing the balloon payment in accord with the creditors existing refinance programs. You would be entitled to receive the estimate before you enter into a balloon payment contract. A balloon contract is an installment sales contract with a final scheduled payment that is at least twice the amount of one of the earlier scheduled equal periods installment payments. New York Residents: In connection with your application for credit, a consumer report may be obtained from a consumer reporting agency (credit bureau). If credit is extended, the party or parties extending credit or holding such credit may order additional consumer reports in connection with any update, renewal or extension of the credit. If you ask, you will be told whether a consumer report was requested and, if so, the name and address of any consumer reporting agency (credit bureau) from which such credit report was obtained. Ohio Residents: Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law. Rhode Island Residents: Consumer reports may be requested in connection with this application. Buyer has the right of free choice in selecting an insurer to provide insurance required in connection with this transaction subject to our reasonable approval in accordance with applicable law. Vermont Residents: You authorize us and any financial institution with which this credit application is shared, and each of their respective employees or agents, to obtain and verify information about you (including one or more credit reports, information about your employment and banking and credit relationships) that they may deem necessary or appropriate in evaluating your credit application. If your credit application is approved and credit is granted, you also authorize the parties granting credit or holding your account, and their respective employees and agents, to obtain additional credit reports and other information about you in connection with reviewing the account, increasing the available credit on the account (if applicable), taking collection on the account, or for any other legitimate purpose.

Click here to view IncredibleBank's Privacy Policy

Step 3 of 5

Personal Financial Statement

Representations and Warranties: I/We hereby certify that the information contained in the completed or attached financial statement (the “Financial Statement”) is provided to induce IncredibleBank (“IB”) to extend or to continue the extension of credit to the undersigned or to others upon the guarantee of the undersigned. The undersigned acknowledge and understand that IB is relying upon the information provided in the Financial Statement in deciding to grant or continue credit or to accept a guarantee thereof. Each of the undersigned represents, warrants and certifies that the information provided in the Financial Statement is true, correct and complete. Each of the undersigned agrees to notify IB immediately and in writing of any change in name, address, or employment and of any material adverse change (1) in any of the information contained in the Financial Statement or (2) in the financial condition of any of the undersigned or (3) in the ability of any of the undersigned to perform its (or their) obligations to IB. In the absence of such notice or a new and full written statement, the Financial Statement should be considered as a continuing statement and substantially correct. If the undersigned fail to notify IB as required above, or if any of the information in the Financial Statement should prove to be inaccurate or incomplete in any material respect, IB may declare the indebtedness of the undersigned and/or indebtedness guaranteed by the undersigned, as the case may be, immediately due and payable. IB is authorized to make all inquiries IB deems necessary to verify the accuracy of the information contained in the Financial Statement and to determine the credit-worthiness of the undersigned. The undersigned authorize any person or consumer reporting agency to give IB any information it may have on the undersigned. Each of the undersigned authorizes IB to answer questions about IB’s credit experience with the undersigned. As long as any obligation or guarantee of the undersigned to IB is outstanding, the undersigned shall supply IB an updated financial statement as requested. The Financial Statement and any other financial or other information that the undersigned give IB shall be IB’s property. This certification is binding upon each of the undersigned and is for the benefit of IB, it successors and assigns.

Or enter it manually +

Assets:

Deposit on RV being purchased (if already made):




Liabilities:


Step 4 of 5

Supporting Documentation

The following information is needed to better understand your business's lending needs Additional information may be required.

  • Full individual tax returns for prior two yours (including all schedules, statements and k-1s)
  • If self-employed or owner of business, copy of company's most current financial statement and two years of corporate tax returns
  • Copy of purchase agreement

Step 7 of 7

Supporting Documentation

The following information is needed to better understand your business's lending needs Additional information may be required.

  • Full individual tax returns for prior two yours (including all schedules, statements and k-1s)
  • If self-employed or owner of business, copy of company's most current financial statement and two years of corporate tax returns
  • Copy of purchase agreement

Step 5 of 5

Thank you for your submission!

A member of our team will be in touch with you soon.