Loans & Credit Cards
With a loan or credit card from Merchants Bank, you can get the money you need now – delivered with quick, personalized service from experienced lenders.
Plus, you can reduce your interest rate on an installment loan† by making automatic monthly payments from a Merchants checking or Money Market Account. Lower rates are also available by securing your loan with a Merchants Bank Money Market Account or CD.
Choose from:
Installment loans
- Typically used for large-ticket items such as cars, boats, RVs, snowmobiles and ATVs
- Choose from a variety of repayment terms
- Minimum loan amount is $2,000
- Option to save money on interest by paying balance of loan early without penalty
Loans for less than $4,000 will be charged a $35 fee.
Click here for a loan application form.
Credit Cards
We offer a variety of credit cards to meet your needs. Become a card member and enjoy a wide range of benefits including competitive introductory rates and your choice of rewards programs. Click the link below to learn more and apply online.
Click to learn more and apply online.
Online account access provides the quickest and easiest way to:
- Activate your credit card
- Make payments
- View recent transactions
- View statements
- And much more!
Once you receive your credit card, simply access your account by clicking on the link below:
Credit cards issued by First Bankcard, a division of First National Bank of Omaha.
†Not available for home equity lines of credit, credit cards, CD/Money Market secured, Stock/CVLI secured or unsecured loans. Subject to any rate floor identified in your loan agreement.
Connect With Us
Questions?
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Do you offer personal loans?
Do you offer personal loans?
Yes, contact your local lender for terms and rates.
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Do you finance motorcycles, ATV’s and snowmobiles?
Do you finance motorcycles, ATV’s and snowmobiles?
Yes, we offer a variety of terms and rates.
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How do I apply for a personal loan?
How do I apply for a personal loan?
Visit your local Merchants Bank to apply.
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Does your credit card have an annual fee?
Does your credit card have an annual fee?
No, no annual fee on our credit card.
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How do I apply for a credit card?
How do I apply for a credit card?
Apply online or visit your local Merchants Bank to apply.
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Do I need to live or work in Vermont to open an account or loan?
Do I need to live or work in Vermont to open an account or loan?
Merchants Bank opens accounts or loans for people living or working in Vermont or communities adjacent to our offices.
FinanceWorks
Connect all your financial information, including credit cards, loans, investments and more. Try the free demo today.
Small Business
From lines of credit and cash back checking accounts to cash management and local decision making on loans. Learn more.
Merchants Trust Company
We earn the trust of our clients by combining our unique investment approach with true Vermont values of listening, learning and taking action. Find out more.