Want to apply for a home equity, mortgage or car loan? Instead of waiting in line to speak with a bank employee, why not go through the process online? And don't worry if you're pressed for time. You can complete to application at your leisure, as many banks will allow you to save an application and finish it at a later date. Once it's been submitted, someone from the bank will call you to follow up and begin the next step in the borrowing process. Of course, you can always opt to close the deal with someone at your local branch or contact a bank representative if you have any questions.