Town and Country Bank allows loan applicants to apply for a loan online through the bank's website; applicants can also contact the bank by phone or visit a physical bank location, as described on the Town and Country Bank website. Loan applications typically require applicants to provide information, such as their current annual income and current amount of debt, in order to formulate a debt-to-income ratio. Banks also typically require the loan applicant to provide identifying information, such as Social Security numbers, so the bank can ascertain the applicant's current credit score.
The exact process for applying for a loan from Town and Country Bank may depend on the type of loan the applicant is seeking. As of August 2015, Town and Country Bank offers auto, personal, home, lot, land and construction loans in addition to debt consolidation services, notes Town and Country Bank.
The loan application for each of these types of loans may have different fields that the applicant is required to fill out, but regardless of these differences, filling out a physical loan application is generally considered a first step in the process of securing a loan. Sources like Credit.com recommend that loan applicants first check their credit score to make sure they are a suitable loan candidate - those with bad credit may want to wait to submit an application.