Consumer Loans
Flexible Financing for a Number of Needs
Throughout life you will undoubtedly be faced with opportunities that come with high price tags. When faced with this situation, turn to a community lender ready to help you get the financing you need.
Get to Know Our Consumer Lenders
Contact any of our Loan Officers if you need more information or want to schedule an appointment.
Find the Right Loan for Your Needs
Auto Loans
New and used car, truck, and motorcycle loans with competitive rates, flexible terms, prompt approval (usually in less than 24 hours), and exceptional service are available from Farmers & Merchants Bank & Trust.
Let us put you in the driver's seat of your next vehicle!
Calculate how large an auto loan you may be able to afford
Personal & Recreational Loans
Farmers & Merchants Bank & Trust has loans available for you to purchase a boat, snowmobile, or other recreational vehicle, or whatever other reason you may need money.
With competitive interest rates and prompt approvals (usually in less than 24 hours), let us be your financial resource!
Calculate how large a loan you may be able to afford
Home Equity Lines of Credit (HELOCs)
The money you need for investments, college tuition, a new car, vacation, or home improvements is waiting for you - and it's in your house. If you're a homeowner, you may have built up substantial equity in your house. A Home Equity Line of Credit from Farmers & Merchants Bank & Trust is a way to unlock those dollars as you need them.
Our unique automatic rollover feature allows you to make draws for the first three years and then automatically rollover into a repayment period without the hassle and cost of refinancing. With no annual maintenance fee, access cash at any time by contacting us by phone, stopping at one of our branches, or transferring instantly to your FMBT checking or savings account via any of our convenient eBanking services.
Student Loans
For college expenses not covered by scholarships and federal loans, Farmers & Merchants Bank & Trust has partnered with Sallie Mae to bring you loans with great repayment options and competitive rates.
