Loans
Personalized Solutions With Farmers Bank Loans
At Farmers Bank, we know that your financial needs are unique, just like you. That's why we offer a range of loan options designed to fit your individual situation. Whether you need to cover personal expenses, grow your business, or fund your agricultural dreams, we’re here to support your financial journey every step of the way.
Ready Reserve Line of Credit
Our Ready Reserve line of credit provides quick access to funds for qualified customers. This service automatically transfers money to cover overdrafts, ensuring your checks and payments are always covered. With Ready Reserve, you can draw funds and transfer them directly into your checking account, offering financial flexibility when you need it most. The service includes automatic monthly payments and a combined statement with your checking account, all with no annual fee and a variable APR of 18%.
Agricultural Loans
Farmers Bank offers a variety of agricultural loans tailored to the unique needs of farmers in the Magic Valley. Our offerings include operating loans for daily expenses, term loans for equipment and livestock, real estate loans for purchasing farmland, and FSA guaranteed loans for those needing additional financial support. These loans come with competitive interest rates and flexible terms, helping you manage your agricultural business effectively and sustainably.
Consumer Loans
Our consumer loans are designed to meet a wide range of personal financing needs, including auto loans, home equity lines, RV loans, term loans, and real estate equity loans. Benefits include local loan officer support, competitive rates, no loan origination fees, and flexible terms tailored to your financial situation. Whether you're planning a major purchase or consolidating debt, Farmers Bank has a loan solution to fit your needs.
Home Mortgage Loans
Farmers Bank provides a variety of home mortgage loan options, from purchasing and refinancing to low down payment mortgages and bridge loans. We offer competitive rates, local approval, and quick closing times to help you achieve your homeownership goals. Additionally, we provide in-house loans such as construction/renovation loans and Home Equity Lines of Credit, ensuring you have the flexibility to choose the best financing option for your situation.
Commercial Loans
Our commercial loans are tailored to meet the diverse needs of businesses in the Magic Valley. Options include operating lines of credit, equipment financing, commercial real estate loans, and SBA loans. We offer competitive rates, flexible terms, and local decision-making to support your business growth and operational needs. Our experienced loan officers work closely with clients to find the best financial solutions for their business goals.
Small Business (SBA) Loans
Farmers Bank offers Small Business Administration (SBA) loans to help small businesses access the financing they need to grow and succeed. These loans feature competitive rates and quick, local service. Whether you need an operating loan, real estate loan, or term loan, our SBA loans are designed to provide the support and resources small businesses need to thrive in today’s competitive market.
Make A Payment
Farmers Bank provides a secure and convenient online platform for making loan payments. You can set up one-time or recurring payments from your Farmers Bank account or an external account, ensuring your payments are processed quickly and efficiently. This service helps you stay on top of your loan obligations with ease, giving you peace of mind and financial control.
Get Started Today
Explore our extensive loan services today and discover how Farmers Bank can support your financial needs with flexible and secure solutions. For more details or to get started, contact us or visit a branch near you.