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BMO Specialty Lending: Zero Barriers to Business� Over the phone by calling A BMO lending specialist can take your application by phone. � In person by meeting with a BMO loans officer at a. loan amount and repayment terms. To apply for a personal loan, whether over the phone or in person at one of our branches, you must reside within our Bank's. Complete your application by submitting your Social Security number, phone number and residence and employment information. BMO Customer Service: ()