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Merchants Bank of Commerce
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Personal Loans

Call today and ask to speak with one of our friendly and knowledgeable bankers.

800.421.2575

All loans subject to credit approval.

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Home Equity Line of Credit and Personal Lines of Credit

Home Equity Line of Credit

By borrowing against the available equity in your home, you can take advantage of interest rates that are significantly lower than credit card rates and funding amounts that are higher than personal loans.

Benefits:
  • Provide a new source of funds
  • Low, variable interest rates
  • Interest due only on the amount you use
  • Flexibility of use, easy access by check
Can be Used for:
  • Home improvements
  • Debt consolidation
  • Medical expenses
  • Investment opportunities
  • A new car or boat
Never before has it been easier to apply for a new loan, track a loan in process, interact with our loan staff, or view and upload documents. Simply log in, and take full advantage of our highly secure, next generation lending system.



Overdraft — Line of Credit

Have peace of mind knowing we have your back with our Overdraft Line of Credit. This line is linked to a Merchants Bank of Commerce checking account, giving you the extra layer of protection and convenient access to cash when you need it.

Benefits:
  • When your checking account becomes unexpectedly overdrawn, your line of credit automatically covers your checks and purchases*
  • Avoid returned checks*
  • Easy access to cash for emergencies
* Items will be paid up to the dollar amount available in the line of credit.
 
Never before has it been easier to apply for a new loan, track a loan in process, interact with our loan staff, or view and upload documents. Simply log in, and take full advantage of our highly secure, next generation lending system.



Quick Cash — Line of Credit

Make sure you’re covered for those unpredictable times you need to borrow cash for emergencies or anything else that comes up unexpectedly. Our Quick Cash Line of Credit is a revolving, open-end line of unsecured credit that gives you instant access to funds anytime.

Benefits:
  • No collateral required
  • Fast access to your funds
  • Quick approvals
Can be Used for:
  • Unexpected expenses
  • Personal investments
  • Home improvements
  • Managing your personal cash flow
Never before has it been easier to apply for a new loan, track a loan in process, interact with our loan staff, or view and upload documents. Simply log in, and take full advantage of our highly secure, next generation lending system.


 

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Secured Loans

New and Used Car Loans

Are you looking for a way to purchase that new or used car? Look no further. Merchants Bank of Commerce offers our New and Used Car Loan.

Benefits:
  • Convenient terms
  • Simple application
  • Competitive rates
Never before has it been easier to apply for a new loan, track a loan in process, interact with our loan staff, or view and upload documents. Simply log in, and take full advantage of our highly secure, next generation lending system.



RV, Motorcycle, Boat and Other Vehicle Loans

Are you craving a new way to get around? Check out the variety of toys you can purchase with this loan!

Benefits:
  • Convenient terms
  • Simple application
  • Competitive rates
Never before has it been easier to apply for a new loan, track a loan in process, interact with our loan staff, or view and upload documents. Simply log in, and take full advantage of our highly secure, next generation lending system.



Vehicle Loan Options (personal secured)

  • Motorcycle and Power Sports Loans — motorcycles, jet skis, ATVs, snowmobiles
  • Trailer Loans — horse trailers, cargo trailers, toy haulers
  • RV Loans — motor homes, travel trailers, fifth wheel RVs
  • Boat Loans — ski boats, bass and fishing boats, pontoon boats, sailboats
  • Houseboats
Never before has it been easier to apply for a new loan, track a loan in process, interact with our loan staff, or view and upload documents. Simply log in, and take full advantage of our highly secure, next generation lending system.



Personal Certificate of Deposit (CD) Loan

A CD secured loan can be a valuable resource if you need quick access to funds but would like to avoid withdrawing from your savings. Because the loan is secured by your Merchants Bank of Commerce Certificate of Deposit, you can access funds at a lower interest rate than is generally available through unsecured loans.

Benefits:
  • Fixed rate
  • Payments amortized over the CD term
Never before has it been easier to apply for a new loan, track a loan in process, interact with our loan staff, or view and upload documents. Simply log in, and take full advantage of our highly secure, next generation lending system.



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Unsecured Loans

Express Cash / Small Dollar Loan

Have an emergency or unexpected expense and need funds fast. The Express Cash loan offers small dollar term loans with fixed rates and short term fully amortized payments.

Benefits:
  • No collateral required
  • Fast processing
  • Flexible use
Can be used for:
  • Car repairs
  • Medical Expenses
  • Utility Bills
  • Family Emergency
  • Personal or household use 
Never before has it been easier to apply for a new loan, track a loan in process, interact with our loan staff, or view and upload documents. Simply log in, and take full advantage of our highly secure, next generation lending system.



Personal Unsecured Loan

Do you lack any collateral to put towards a loan? We offer a convenient term, fast funding, and a simple application for our Personal Unsecured Loan.

Benefits:
  • Payments fully amortized
  • No collateral required
  • Fixed interest rate
Never before has it been easier to apply for a new loan, track a loan in process, interact with our loan staff, or view and upload documents. Simply log in, and take full advantage of our highly secure, next generation lending system.


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Home Construction Loans

If you own land or have a balance on your land, we offer construction loans to build your dream home. Know that you are getting the best financing on the block plus the expert know-how of our committed lending professionals.

Benefits:
  • Fast service — expect 36-hour turnarounds on typical project requests
  • Competitive interest rates — aggressive pricing, owner flexibility
  • Generous ceiling amounts — fund up to 80% of the appraised value
  • Actual usage-based payments — interest only on the amount actually disbursed
Never before has it been easier to apply for a new loan, track a loan in process, interact with our loan staff, or view and upload documents. Simply log in, and take full advantage of our highly secure, next generation lending system.
 


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Credit Cards

Get the credit card that gets you.

Introducing your perfect match.

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!


Already have a credit card? Click below to log in to your existing credit card account.


*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.
 
Subject to credit qualifications and approval.
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