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Consumer Loans

Explore Our Loans

Mercantile offers a wide variety of loan products to help you finance your dream. Of course, so does every other bank. At Mercantile, we do things a little differently, we focus on you.

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Auto, RV, & Electric Loans

Mercantile Bank offers fast, flexible financing for electric, hybrid, fuel-efficient cars—and recreational vehicles like RVs, boats, motorcycles, snowmobiles, and more.

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Personal Loans

For everything from vacations to engagement rings and much, much more. May be secured (you borrow against collateral) or unsecured (no collateral).

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Credit Builder

Build or re-establish credit with Mercantile Bank’s Credit Builder Loan—featuring affordable payments, savings growth, and tools to track spending, forecast expenses, and boost confidence.

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Credit Cards

Mercantile Bank credit cards offer low rates, no annual fees, and rewards on everyday purchases—plus tools to build credit and benefits like travel protection.

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Overdraft Protection

Protect yourself from unexpected cash-flow shortages and help prevent overdraft fees by attaching a line of credit.

Overdraft protection is a line of credit attached to your checking account that automatically transfers funds into your account when the balance falls below zero. It is best for individuals who want protection against unexpected cash-flow shortages and overdraft fees.

  • - Available to qualified applicants.

  • - No per-transfer charge.

  • - Protection ranges from $500 to $10,000.

  • - Minimum monthly payment of $20 or 2% of the outstanding balance, whichever is greater. A billing statement is sent monthly.


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Student Loans

Wherever you are in your higher education, get the money you need for school with Sallie Mae® higher education loans. 

Student loans from Mercantile Bank in partnership with Sallie Mae® could help! Sallie Mae® higher education loans are designed for the needs of undergraduates, graduate students, and parents.

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Consumer Loans FAQs

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Mortgage Loans

Whether you are buying a new home or refinancing, Mercantile Bank offers a wide variety of mortgage loan products to fit your specific needs.

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Overdraft Protection

Protect yourself from unexpected cash-flow shortages and help prevent overdraft fees by attaching a line of credit. 

Apply Now

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Student Loans

Wherever you are in your higher education, get the money you need for school with Sallie Mae® higher education loans

Explore Your Loan Options

Have questions? Merc is here to help.

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