Lending Services: For YouA A

Personal & Auto Loans

At Mercantile Bank, we offer personal service and financial products to simplify your life. Our consumer loans provide you with flexible options and an easy application process. So, if you need new wheels, new furniture, a vacation or just want to consolidate some bills, we have a consumer loan to fit your financing needs. 

Auto & Truck Loans

Whether you want a brand new car or truck or a used one that is new to you, Mercantile can help you go from In the Bank to On the Road in as little as 60 minutes!  We offer competitive financing, a quick and easy application process, and great service. Call or visit any Mercantile location to learn more or get things started online today. Apply now!

Rate Special

Auto Rate Special with Rates as low as 4.15% APR*

*Annual Percentage Rate effective 6/1/18 for new auto loans to qualified borrowers with credit scores of 775+.  Up to 72 months financing available on 2016 model year and newer with maximum mileage of 75,000. Offer does not apply on ATV, Boat, or RV loans.  This is a limited time offer and may be withdrawn at anytime.  Other rates and terms available.

Current Auto Loan Rates

Year Term APR**
2018-2016 60-66 4.65%
  72 4.75%
2015-2014 60-66 4.75%
  72 5.00%
2013-2012 60 5.00%
  66 5.50%
2011-2010 48 5.25%
2009 48 5.75%
2008 & Older 36 6.25%

**Annual Percentage Rate is effective 6/1/18 for new loans to qualified borrowers with credit scores of 740+ Trans Union.  Other rates and terms available.  Refinances do not qualify. Rates and terms may change without further notice. Retail customers only.

Already working with a dealership? When you are asked about the financing for your vehicle, just tell them to make it a Mercantile Deal! Visit our Auto Buying Made Simple page to find out what your car is worth and estimate your monthly payments.

RV, Boat, Motorcycle, Personal Watercraft, & ATV Loans

Want to buy a dream and keep the financing local? You can at Mercantile Bank where local financing equals local friendly service. We offer flexible terms with fixed monthly payments that make financing your dream easy and affordable. Apply today!


Depending on the terms and conditions of your current loan it could be worthwhile to look at the money saving opportunities of refinancing your loan. Mercantile has many repayment options designed to fit your budget. Refinancing can help decrease your interest rate, lower your payments, or reduce the number of payments to make your car your own.

Personal Loans

Whether you need to consolidate bills, buy a new computer, take a dream vacation, or any of the many other unexpected things life brings, we have a loan to fit your budget. We can help you get the payment plan  you need to enjoy the things you want. Mercantile Personal Loans have a wide variety of financing options and we are here to help you tailor a loan to fit your individual financing needs.

Call or stop by to visit with any of our friendly customer service to discuss your financing needs or if you are ready to get started, apply online today!