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Individual and Joint ownership
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Selecting individual ownership means that the individual owns and is responsible for the account. If joint ownership is selected, both individuals own and are responsible for the account.
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Example Account Information section of a HELOC statement
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Power Of Attorney
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Selecting Yes means you have been granted authority as an appointed agent to engage in particular transactions or activities on behalf of the borrower.
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E-mail Address
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We require that you provide us with your current e-mail address. For security purposes, we will ask you to enter your e-mail address again for confirmation.
We will also email credentials to the email address you provided to access information you saved, as well as applications you submitted. If there is a co-applicant & they provide an email address, credentials will also be sent to them.
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M&T Checking Customer
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To verify the type of checking account you have, please refer to your list of accounts in Web Banking under the Accounts tab. You may also call the Telephone Banking Center at 1-800-724-2435 for assistance.
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Minimum Amount to Borrow- Auto/Major Purchase
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The minimum amount to borrow for an Auto & Major Purchase loan is $2,000.
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Auto Loan Terms
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Term for Auto loan is available from 12-84 months based primarily on vehicle model year and amount financed.
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Major Purchase Terms
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Terms for Major Purchase loans are available from 12-240 months.
12 - 36M (ATV, Jet ski and Snowmobile),
12 -240M (Boats, RV)
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Minimum and Maximum Amount to Borrow - Overdraft
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The minimum and maximum amount to borrow for an Overdraft Account is $250 - $25,000.
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Line of Credit Account Number
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Your seventeen digit account number is located on your monthly statement.
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Total Line of Credit Requested
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The total line of credit you are requesting is your current line plus the amount that you would like your line increased by. Please refer to the following example:
Your current line of credit= $800
The amount you would like to increase your line by = $200
Total Line of Credit requested = $1000($800 + $200).
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Home Equity Line of Credit Account Number
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Your account number is located on your monthly statement.
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Total Line Amount Requested
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The total credit you are requesting is your current line plus the additional amount that you would like your line increased by. Please refer to the following example:
Your current line = $800
The amount you would like to increase your line by=$200
Credit Amount Requested = $1000 ($800 + $200).
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Minimum/Maximum Amount to Borrow- Secured Loan
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The minimum and maximum amount to borrow for a Secured Loan is $2,000-$100,000.
Minimum/Maximum Amount to Borrow- Unsecured Loan
The minimum and maximum amount to borrow for an Unsecured Loan is $2,000-$50,000.
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Secured Loan Terms
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Terms for Secured Loans are available from 12 - 120 months.
Unsecured Loan Terms
Terms for Unsecured Loans are available from 12 - 84 months depending on amount financed.
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Minimum/Maximum amounts for M&T CHOICE Equity Account
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The minimum and maximum amount to borrow is $15,000-$1,000,000.
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The minimum and maximum amount to borrow in Florida is $15,000-$250,000.
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Minimum/Maximum amounts for M&T CHOICEquity Account (Vacation Property)
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The minimum and maximum amount to borrow is $15,000-$250,000.
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Minimum/Maximum amounts for M&T HOMEquity Line of Credit Increase
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The minimum and maximum amount to borrow is $15,000 - $1,000,000.
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The minimum and maximum amount to borrow in Florida is $15,000 - $250,000.
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Minimum/Maximum amounts for M&T HOMEquity Line of Credit Account (Vacation Property) Increase
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The minimum and maximum amount to borrow is $15,000-$250,000.
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Total Line Amount Requested
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The total credit you are requesting is your current line plus the additional amount that you would like your line increased by. Please refer to the following example:
Your current line = $800
The amount you would like to increase your line by=$200
Credit Amount Requested = $1000 ($800 + $200).
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| Minimum/Maximum amounts for M&T Affordable Home Improvement Loan
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The minimum and maximum amount to borrow is $2,000-$20,000.
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Minimum/Maximum amounts for M&T HOMEquity Loan
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The minimum and maximum amount to borrow is $15,000-$500,000.
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Minimum/Maximum amounts for M&T HOMEquity Loan on a Vacation Property
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The minimum and maximum amount to borrow is $25,001-$250,000.
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| Minimum/Maximum amounts for M&T Instant HOMEquity Loan
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The minimum and maximum amount to borrow is $5,000-$25,000.
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| Minimum/Maximum terms for M&T Affordable Home Improvement Loan
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| The minimum and maximum terms available for the M&T Affordable Home Improvement Loan are 36-120 months.
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Minimum/Maximum terms for M&T HOMEquity Loan on a Vacation Property
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The minimum and maximum terms available for the M&T Total HOMEquity Loan are 60-240 months.
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Minimum/Maximum terms for M&T Instant HOMEquity Loan
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The minimum and maximum terms available for the M&T Instant HOMEquity Loan are 36-180 months.
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Minimum/Maximum terms for M&T HOMEquity Loan
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The minimum and maximum terms available for the M&T HOMEquity Loan are 60-360* months.
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*A term between 241 to 360 months can only be selected if the loan amount is between $50,000 - $500,000. The property must also be in first lien position.
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Is this online application secure?
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M&T Bank uses encryption for online security. Encryption technology helps provide secure transmission data using a mathematical formula to scramble the data. Without a corresponding 'decoder', the transmission would look like nonsense text and would be unusable. We maintain strict security standards and procedures to prevent unauthorized access to your information, including 128-bit encryption.
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"My M&T Loan Applications" allows you to:
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1. Check the status of a recently submitted application.
2. Finish inputting information to submit an application.
3. Send and receive messages regarding your submitted loan applications.
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