Personal Consumer Loans
An F&M Bank Personal Consumer Loan can supply you with the funds you need for a variety of reasons. At F&M Bank we make the application process easy. You may call our Loan-By-Phone or visit any office for fast and friendly service.

Benefits:

• The terms for each loan are customized to your requirements and qualification
• We will work with you to choose a due date to avoid conflict with your other monthly payments
• It's a simple-interest loan, which means the interest is charged only for the days borrowed, which saves you money
• Your fixed payment amount helps you budget each month
• Payments can be made conveniently at any selected F&M Bank ATM, Bank Central or Speed Pay. Or, you can arrange automatic deduction of your monthly payment from any F&M checking or savings account.
  Automatic payments may reduce your interest rate!
• Most Personal Consumer Loans are available with optional Credit Life and Accident & Health Insurance. Both types of insurance are written into your loan contract, with the premium as part of your monthly payment

Some of the loans you may be interested in include:

• Automobile
• Home Improvement
• Marine
• Mobile Home
• Personal
• Recreational Vehicle
• Personal Watercraft
• Snowmobile
• Household Goods
• Home Equity

How much will your payments be?
How much can you borrow?
Try our online Calculators

• A variety of fixed rates and terms so that your payment can be easily budgeted
• A great way to get the funds for home improvements, debt consolidation or whatever you need

Plus, we offer a loan based on up to 90% of your home's equity.

• Approval notification within 24 hours
• Requires only one quick trip to the bank to sign the loan documents
• A convenient way to apply for any consumer loan