Personal Loans

Instead of emptying your savings accounts, get a loan from TBOT with low rates and affordable payments. When you're strapped for cash, there's few places to turn. Lucky for you, The Bank of Tioga offers low rates on personal loans to cover just about anything.

We process loans in-house so you won't have to wait weeks for a decision. Applying is easy — talk to a TBOT loan officer about how you can get started.

Auto Loans

Whether you need something roomier — or just something "zoomier" — we finance new and used cars and trucks. If you have to take your car in for yet more repairs, it may be time to get a new set of wheels. We have low rates on new or used cars and trucks.

Swing by a TBOT branch to get pre-approved before heading out to the dealership. Or refinance your current loan for a lower rate and save money on your payments.

Mortgage Loans

Stop paying rent to a landlord and start paying yourself in home equity, and secure your financial future. You may even pay less on your mortgage than you do in rent!

We process loans locally, so you won't have to wait weeks for a decision from "headquarters." While the home buying process can be complicated, you can be sure our TBOT loan officers will walk you through every step of the process!

 
Ready to apply for a mortgage? Click here to read our blog on which important documents you should gather before we start the process!

Home Equity Lines of Credit

Tap into the equity you've paid into your home to finance that next major or unexpected expenditure.

You've searched everywhere for a large sum of money. But have you thought about finding money in your own home? Use your home equity to fund that major expense, and leave your savings in tact. We offer low rates and affordable payments. Talk to a TBOT representative today!

Construction Loans

We offer competitive construction loans with flexible terms and payment plans that fit within your budget. 

A wise man once said, "If you build it, they will come." While you might not be interested in any baseball fields, we do offer construction loans at competitive rates. Finding the right space for your business is important. Talk to a TBOT representative about your options.