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Personal Loan Solutions

When it comes to personal loan solutions, F&M Bank offers a wide variety of loan and credit options for consumers. We offer various types of installment loans, personal lines of credit, and multiple credit card options to fit your spending needs.


Cash When You Need It! Cash When You Want It!

Borrowing money can make life easier and more enjoyable when you need extra cash. At F&M Bank, we’ll work closely with you to set up a loan that matches your specific need ... with repayment options that fit your budget.

For your added convenience, we can deduct your monthly loan payment directly from your F&M checking or savings account ... or you can pay it using your Personal Online Banking. Contact any F&M Bank office today, and we will help you explore a loan option that’s right for you.

Whether you are interested in a loan or line of credit, F&M Bank has an assortment of installment loans, home equity loans, or home equity lines of credit that make borrowing the money you need fast, simple and affordable.

Installment Loan

If you are borrowing a specific amount of money for one particular need ... and prefer the predictability of fixed monthly payments, ask us about an Installment Loan.

Home Equity Loans & Lines of Credit

If you own your own home, you may have access to equity that can be used for smart borrowing – funding important projects like home improvements and higher education. Equity loans and lines of credit offer affordable interest rates and terms. These loan types are great tools to help achieve your financial goals.

At F&M, we offer Home Equity Loans with a fixed rate or Home Equity Lines of Credit (HELOCs) with fixed and variable rate options that offer a lot of flexibility.

Home Equity Loans

Home equity loans are fixed-term loans granted by a lender to a borrower based on the equity in the home. You apply for the set amount needed, and if approved, receive that amount in a lump sum upfront. The home equity loan has a fixed interest rate and a schedule of fixed payments that must be made over the life of the loan.

Home Equity Lines of Credit

HELOCs are a good option for homeowners who are looking to take advantage of the equity they hold in their residence. Unlike a home equity loan that is paid to the borrower in a lump sum, HELOCs are more flexible and allow you to borrow lower amounts over time. You take the money you need when you need it. This can keep monthly payments lower and help you avoid unnecessary debt and interest charges.

A HELOC offers a line of credit you can borrow against at your discretion. F&M offers fixed and variable interest rate options to fit your needs. 

Learn More

Personal Lines of Credit

If you have various upcoming expenses and require some long-term flexibility of drawing funds as needed, ask us about a personal line of credit. Like a credit card, your monthly payments will vary based on how much credit you’ve used.

Consumer Credit Cards

Choosing the right credit card is easier than ever. 

Whether you want to pay down balances faster, maximize cash back, earn rewards or begin building your credit history, we have the ideal card for you!

No matter which card you choose, you'll enjoy important features like:

  • Convenient and Flexible Purchasing Power. Accepted at millions of locations worldwide.
  • Mobile purchasing capability for added convenience.
  • Zero Fraud Liability.* You won't be liable for fraudulent purchases when your card is lost or stolen.
  • Cardmember Service available 24 hours a day/365 days per year.
  • Plus much more!

Learn More      Apply Now

*Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.

The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc. and Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Convenient Services Make Borrowing E-A-S-Y!

Automatic Payment – We can automatically deduct any F&M Bank loan payment from your checking or savings account each month. That means no more writing and mailing checks ... or unnecessary fees from accidental late payments.

Overdraft Protection – Overdraft protection guarantees that your checking account will always have ample funds to cover checks or scheduled electronic loan payments.

eBANKING – Personal Online Banking, ATM and TELEPHONE Banking services let you monitor your loan activity at your convenience. You can verify loan balances and track other account activity from anywhere, any time of the day or night. You can also make your payment by electronically transferring funds from any of your deposit accounts.

F&M Bank Has Loans For All Reasons

  • Automobiles, RVs and Boats
  • Debt Consolidation
  • Indoor and Outdoor Home Improvements
  • Unexpected Emergencies
  • Trips and Vacations
  • Appliances, Furniture and Electronics
  • Home Offices
  • Weddings
  • Investments
  • Medical and Dental Expenses
  • Second Homes
  • Luxury Items
  • Pools and Spas
  • Real Estate

Personal Loan Application

Get the loan process started. Click below to print out a credit application.


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