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
  

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
  

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

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
  

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
  

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
  

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
  

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

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