Personal & Auto Loans

Extra Financing When You Need Help

Some of life’s biggest purchases involve more money than you may have on hand. For those times, you can trust F & M Community Bank to serve as your community lender. We’ll have a conversation with you about the purchase, and we’ll work out the rate and terms to work with your situation. All the decisions are made in our office, so you’re working with our lenders the entire time.

Ready Reserve Loans

We understand that unplanned life events happen. A Ready Reserve loan is an unsecured line of credit that works with your checking account. In the event that your checking account does not have enough funds to cover a charge, money will be advanced from your Ready Reserve line of credit to cover your expenses.

Personal Loans

Whether it’s paying for the wedding or vacation you’ve been planning for months, or making sure you’re covered when you face an unexpected expense, we can tailor a personal loan to you. We will customize the terms for your unique needs, and answer questions you have about the loan along the way.

Auto Loans

You spent a lot of time finding the right vehicle. Make sure you can handle the payment by partnering with a local bank that understands your needs. Our lending team can create a loan that helps you purchase your vehicle, whether it’s brand new or used, featuring competitive rates and terms that work for your finances.