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PERSONAL LOANS

Pay it. Pay it off. Or just get away from it all.

Let’s customize a personal loan that works for you.

Cover unanticipated expenses, consolidate debt or book a vacation (finally) – no collateral needed.

PERSONAL LOANS

If you don’t own your home or prefer not to borrow against it, a personal loan picks up where home equity loans leave off, giving you a handy source of funds at an affordable rate.

How to use it.

Renovate your home. Repair your car. Replace your computer. Pay off high-interest credit card balances. Finance a wedding. Or take that vacation you want and know you need. Anything’s possible with an F&M personal loan.

HERE TO MEET YOUR NEEDS.

One lump sum at a fixed interest rate and fixed monthly payments. When it comes to personal loans, it’s all about your personal needs. Can’t decide? Enlist the expertise of an F&M loan officer to customize a personal loan for you.

FEATURES & BENEFITS

Competitive interest rates
Easy repayment terms
No collateral required
Local decision-making and processing

Frequently Asked Questions

A personal loan provides a lump sum with fixed payments, while a personal line of credit lets you borrow only what you need, when you need it, up to an approved limit.

Not always. F&M Bank offers both secured and unsecured personal loans, so you may qualify even if you don't own a home or have collateral.

Personal loans can be used for a variety of expenses, including debt consolidation, home improvements, major purchases, unexpected expenses, or other personal financial needs.

What’s it like banking with us? See for yourself.

“We decided to go with the F&M Bank because their customer service came highly recommended by our friends. F&M's mortgage team dealt with coordinating the entire process from our loan application to our closing."

Andrew & Lindy Gillmore

First-Time Homeowners

“Using F&M Bank for our commercial loans has been instrumental in our success. You do not get this level of transparency, trust, and personal relationships with national banks."

Justin Lorenzen

Lorenzen Realty

“F&M Bank has been our bank of choice for personal finances since 1998. In April 2017, we moved all of our business banking to F&M. We have been extremely satisfied ever since."

Randy Cochran

Elgin Service Center-Pioneer

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PERSONAL LOANS

Let’s customize a personal loan that works for you.

PERSONAL LOANS

How to use it.

Frequently Asked Questions

What’s it like banking with us? See for yourself.

Andrew & Lindy Gillmore

Justin Lorenzen

Randy Cochran

Need us?

The F&M blog