• Main Office: (706) 846-8415
  • Loan Production Office: (706) 660-6877
Banking on Experience

Consumer Loans

Find yourself needing extra cash to pay bills? Maybe a Christmas loan, or is it tax time again? We have a loan product that can fit your needs! F&M was founded as a bank for the people, and we have been providing our community with consumer loans for over sixty-five years. We strive to provide our customers with the hospitality that they have come to expect from their local hometown bank through competitive loan products.  Unlike the bigger banks, we take the time to get to know you, so we can provide the best solution for your situation.

Our Loan Products Include:

  • Savings / CD secured loans
  • Stock secured loans
  • Auto loans
  • Recreational Vehicles loans
  • Farm Equipment loans
  • Signature (Unsecured) loans
  • Personal Construction Loans
  • F&M Visa Credit Card offered through TCM Bank

Apply for a Loan

Print and complete the Consumer Application .An account representative will contact you once the application is received. 

Return by Mail:
F&M Bank and Trust Company
P.O. Box 718
Manchester, GA 31816

Return by Email:
customerservice@fmbankandtrust.com