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Loans from Farmers and Merchants Scotland

Farmers and Merchants State Bank offers a wide variety of different loans to fit your needs.  From small personal loans to large operating lines of credit, we stand willing and ready to help with all your needs.  We know things come up and you need fast and timely answers.  We have three lenders ready to help you with whatever needs you may have.

  Consumer/Personal Loans  |  Residential/Home Improvement  |  iHelp
Community Development/Small Business/Commercial Loans  |  Ag Loans

Consumer/Personal Loans
Whether you’re looking at getting a new car, thinking about taking the family on a much needed vacation, or need some extra cash for unexpected expenses, we are willing and ready to help you with whatever lending needs you may have. 

Residential/Home Improvement

Trying to decide whether to move to a new house, build a new one, or just remodel the one you are currently in?  Come in and talk to one of our loan officers and they will sit down with you and figure out what the best option is for you.

Community Development/Small Business/Commercial Loans
Are you looking at starting a new business or purchasing a pre-existing one?  Whatever the case may be, we are ready to help you make your dream of owning your own business a reality.  We will help you look at all your different options and help you make the best decision.  Need an operating loan to run your day to day business?  Come in and talk to one of our loan officers and they will discuss the best options and fit you with the best loan.

Ag Loans

Whether you are purchasing a load of cattle for the first time or looking for a line of credit to run your operation.  First time farmers or seasoned veterans, we are here to help you with whatever needs you may currently have or may come up in the future.

In order to fit our Ag customers with the best services possible, we have teamed up with other farm programs to offer great options such as the FSA Guaranteed Farm Ownership Loan, FSA Guaranteed Farm Operating Loan and Farmers Mac Loan to purchase real estate.  Stop in or call to visit with our Ag Loan Specialist about all your Ag lending needs.

iHelp Student Loans

Farmers and Merchants State Bank has teamed with Independent Community Bankers of America and the Student Loan Financial Corporation to offer iHelp Student Loans. iHelp loans are the easiest and most affordable way to cover your cost of secondary education. These loans are designed to bridge the “gap” between the cost of education and the amount you can borrow under the federal programs. Stop in or call today to find out more information on the iHelp Student Loan Program or Apply online by going to

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