Personal Loan Application

Complete every section. Fields marked * are required. Your information is protected and used only to assess this application.

Submit this application only once. Submitting more than once cancels your application. After you submit, you will receive a loan reference number by email, and our team will contact you by email or telephone. Do not press the button again while it is working.

1.Loan request

Loan amount requested (USD) *

Date funds are needed

Preferred term in months *

Repayment frequency *

Purpose of the loan *

Describe in detail what you will use the money for *

Do you have collateral to offer?

If yes, describe the asset, its estimated value and whether it is already pledged

2.Applicant personal details

Full legal name (first, middle and last) *

Date of birth *

Place of birth

Nationality

Gender

Marital status

Number of dependants

Residential address (street and number) *

City *

State / province

ZIP / postal code

Country *

Years at this address

Home status

Mobile phone *

Home phone

Email address *

Preferred contact method

3.Identity verification (required)

We must verify your identity before any loan can be approved. Upload clear photos of both sides of your document below.

Identity document *

Document number *

Issuing country

Issue date

Expiry date

Tax identification number (SSN, ITIN or national tax number)

Country of tax residence

The tax identification number is required by law. It is kept confidential and used only for tax and identity reporting.

ID document: front *

ID document: back *

4.Proof of address: one utility bill in your name

Provide ONE recent bill dated within the last 3 months. It must show your full name and the same address as Section 2. Bank statements, P.O. boxes, handwritten bills and screenshots are not accepted.

Type of bill *

Provider name *

Date on the bill *

Name on the bill (must match Section 2)

Last 4 digits of the account number

Address on the bill (must match Section 2)

Photo or scan of the utility bill *

5.Employment and income

Employment status *

Employer name

Job title

Employer address

Employer phone

Years in current job

Gross monthly income (USD) *

Other regular income and its source

Amount per month (USD)

Monthly rent or mortgage (USD)

Other monthly debt payments (USD)

Existing loans or credit cards (number)

Total outstanding balance (USD)

Latest payslip, or tax return if self-employed (optional, recommended)

6.Bank account for loan payments

Loan funds will be paid into this account and repayments taken from it. The account must be in your own name.

Bank name *

Account holder name (must match your name) *

Account number *

Routing number or IBAN

Account type

Years with this bank

7.Referral (complete only if you are referring someone)

If you refer a person to us and their loan is approved and paid out, the referrer receives a fee of 3% of the principal of that loan. Full terms are in Section 10. Leave this section empty if you are not referring anyone.

Your name (referrer)

Your phone number

Your email address

Your relationship to the person you are referring

Name of the person you are referring

Their phone number

Their email address

Date they were introduced to us

Referral fee payment details (where the 3% fee is to be paid)

Bank name

Account holder name

Account number

Routing number or IBAN

8.Document checklist

Each item ticks automatically when it is ready.

✓ ID document: front
✓ ID document: back
✓ Utility bill (last 3 months)
✓ Payslip or tax return (optional)
✓ Signature (Section 11)

9.Declarations and agreements

1. Accuracy of information. I confirm that all information in this application and the documents I provide is true, complete and current. Providing false or misleading information may lead to refusal or cancellation of the application, to repayment being demanded, or to legal action.

2. Identity verification. I consent to UMB Financial Corporation (the Bank) verifying my identity, including comparing my identification documents and live photo, and checking any document with the authority that issued it.

3. Credit checks and references. I authorise the Bank to obtain credit reports and references about me from credit reference agencies, from my current and former employers, and from lenders I have dealt with. This consent covers this application and any loan that results from it.

4. Personal data. I consent to the Bank collecting, using, storing and sharing my personal data to assess and manage this application, to meet legal obligations (including anti-money-laundering and tax reporting rules), and to prevent fraud. I may request a copy of my data and ask for corrections, as the law allows.

5. Anti-money laundering. I confirm that the money I borrow and the money I repay are not proceeds of crime. I will provide evidence of the source of my funds and income when the Bank asks for it.

6. No guarantee of approval. Submitting this application does not guarantee approval. The Bank may approve, reduce or decline any amount, and may offer different terms from those I have requested.

7. Loan agreement. If the application is approved, the loan will be governed by a separate Loan Agreement stating the interest rate (APR), fees, repayment schedule and other terms. I will read and sign that agreement before any funds are released.

8. Use of funds. I will use the loan only for the purpose stated in Section 1. I will not use it for illegal activity, gambling, or any purpose that breaches sanctions. The Bank may ask for evidence of how the funds were used.

9. Repayment. I will make each scheduled repayment on time, from the account named in Section 6. Late payments may attract fees and will be reported to credit reference agencies as the law allows.

10. Default. If I miss payments or breach the Loan Agreement, the Bank may demand immediate repayment of the outstanding balance, charge default interest and fees, and take recovery action as the law allows.

11. Fees. Application, late payment, early repayment and other fees, if any, are set out in the Loan Agreement and the Bank's current Fee Schedule, which I can obtain on request.

12. Electronic communications. I agree to receive notices, statements and loan documents electronically. I agree that a verification code sent by text message or email to my registered contact details confirms my instructions.

13. Changes to my details. I will tell the Bank within 14 days if my address, phone number, email address, employment or income changes.

14. Cancellation. Where the law gives me a right to cancel a loan agreement, I may cancel within the period stated in the Loan Agreement.

I have read, understood and accept declarations 1 to 14 above.

10.Referral programme terms

15. Eligibility. The referrer must be an existing UMB client or applicant in good standing. A referral counts only when the person being referred names the referrer on their own application.

16. Referral fee. The referrer earns a fee of 3% of the principal amount of each referred loan that is approved and paid out. The fee is paid after the referred loan has been paid out and its first repayment has been received, into the account given in Section 7, or as later notified in writing.

17. Exclusions and limits. No fee is payable for self-referrals, duplicate applications, fraudulent or misleading referrals, or loans that are cancelled, reversed or repaid early within the period stated in the Loan Agreement. The Bank may set a maximum fee per referrer. The Bank's decision on whether a referral qualifies is final.

18. Taxes. Referral fees may be taxable. The referrer is responsible for any tax due on the fees received.

19. Conduct. The referrer will not offer any gift, payment or inducement to the person referred in return for applying, and will not misrepresent the Bank's products or terms.

20. Changes to the programme. The Bank may change or end the referral programme on 30 days' written notice. Fees for referrals already paid out remain payable.

21. No obligation to refer. I understand that I am not required to refer anyone in order to apply for a loan, and that referring someone does not change the terms of my own loan.

22. Not financial advice. Bank staff provide information about products, not financial, tax or legal advice. I may obtain independent advice before signing.

23. Governing law and entire agreement. This application is governed by the laws of the State of Missouri, United States, unless the Loan Agreement states otherwise. This form, the documents I supply and any Loan Agreement form the whole agreement between me and the Bank about this application.

24. Records. The Bank keeps application records for as long as the law requires, including after an application is declined or withdrawn.

I accept the referral programme terms 15 to 24 above.

11.Electronic signature

Sign in the box with your mouse or finger. Then type your full name exactly as in Section 2. Your typed name and your signature are your legal signature on this application.

Sign above the line.

Type your full name to sign *

Date of signing

After you submit, you will receive a loan reference number. Please keep it. Do not submit twice.