Consumer Loans

Helping you finance your dreams.

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. We've carefully assembled a staff of experienced and talented mortgage professionals who make it their mission to understand your unique situation and provide you with the service you desire.

Find a Mortgage Lender Visit our Mortgage Loan Center

NMLS Consumer Access - Verify financial service providers.
Home Mortgage Options

Consumer Loans

A new car. A vacation getaway. An engagement ring. A degree. Whatever your dream, Mercantile offers a wide variety of loan products to help you finance it. Of course, so does every other bank. At Mercantile, we tend to do things a little differently, we focus on you.

View our consumer loan FAQs.

Home Equity Loan
Home Equity Loans

Borrow against the equity of your home to consolidate high interest rate credit cards into one easy low payment, pay for home improvements, vacations and more.

  • Home Equity Term Loan: This is a fixed rate or ARM loan with fixed payments over a fixed term, loan funds are disbursed in a single advance upfront with the balance paid down over time. Fixed and adjustable rate loans available.
  • Home Equity Line of Credit (HELOC): This is a variable rate revolving line of credit, makes funds available as you need them on an ongoing basis.

Personal Loans
Personal Loans

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

Student Loans
Student Loans

Wherever you are in your higher education, get the money you need for school. Student loans from Mercantile Bank in partnership with Sallie Mae® could help!

Learn More

Car Loans
Automobile Loans

Mercantile Bank puts you in the driver's seat with our quick and easy auto loans.

Recreational Vehicle Loans
Recreational Vehicle Loans

For new or used motor homes, travel trailers, boats, motorcycles, snowmobiles and more!

Overdraft Protection

Protect yourself from unexpected cash-flow shortages and help prevent overdraft fees. 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 $5,000.
  • Minimum monthly payment of $20 or 2% of the outstanding balance, whichever is greater. A billing statement is sent monthly.

To explore any of these options - or any loan not on the list - call or visit your nearest branch location.

Find Your Mercantile Branch