Loans | Consumer Loans

Happy children on their family's new boat

Reaching your financial dreams has never been this easy!

Farmers & Merchants Bank offers convenient, affordable loans for almost anything you need. So start dreaming about what a little extra money could do for you and apply for a Consumer Loan today!

Fast Approval, Affordable Rates, Flexible Terms, No Hidden Fees!

Download an Application »

  • Personal Loans - secured and unsecured
  • Auto Loans - new and used
  • Loans and Lines of Credit - secured by CDs, stocks, bonds, or mutual funds
  • Loans to Purchase - ATVs, boats, farm equipment, and mobile homes

New Rules About Credit Decisions and Notices »

Please stop in and visit any of our lenders at the following locations:

Loan Center
201 Market Street, Downtown Kittanning (Corner of Market & Jefferson Streets)

Commercial Business Lenders:
Herman Krummert P. 724-548-9221 F. 724-543-4786
Stephen Rusek P. 724-548-9268 F. 724-543-4786
Cindy Baculik P. 724-548-9244 F. 724-543-4786
Greg Schultz P. 724-548-9266 F. 724-543-4786
Toni Conrad P. 724-548-9251 F. 724-543-4786

Consumer Loan & Residential Mortgage Lender:
Jean Beers / NMLS ID 455659
P. 724-548-9237 F. 724-543-4786

Highlands/ W. Kittanning branch office
316 First Avenue, West Kittanning
Lender: Donald Boyer / NMLS ID 452809
P. 724-548-9243 F. 724-545-1319

Leechburg branch office
160 Market Street, Downtown Leechburg (Corner of Market & 2nd Streets)
Lender: Mark Maszgay / NMLS ID 456453
P. 724-845-3411 F. 724-845-9544

422 East branch office
105 Burton Drive, US Route 422, Kittanning
Lender: Connie Grafton / NMLS ID 451632
P. 724-548-9242 F. 724-543-6077

You may obtain a loan application at any of our eight locations or print them out here on our website. Loan Center Fax: 724-543-4786.

With a combined lending experience of over 240 years, our lenders take the time to work with you to fully understand your financial needs. Our lenders strive to provide the best one-on-one customer service, and they make it their goal to help you obtain the right type of financing. We care about our customers and take great pride in helping people purchase their new home, buy their favorite automobile, make home improvements, send their children to college, expand their business, or finance unexpected expenses.

Online Banking

Access your account online.

Transfer funds.
Pay bills.
Login now.
Not yet enrolled?
print enrollment form

Holiday Hours

All Offices Closing at 4:30pm:
Friday, October 3
In Preparation for our merger with NexTier Bank

All Offices Closed:
Saturday, October 4
In Preparation for our merger with NexTier Bank

All Offices Closed:
Monday, October 13
Columbus Day

View All Holiday Hours/Closings »