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Our personal loan offers a fixed rate & fast cash for any need.

Life hitting you with unexpected expenses? Our Unsecured Personal Loan is the fast and simple way to get funds – even if you don’t own a home or other collateral. Just apply online or in a banking center. Approved applicants get their funds– and peace of mind – as quickly as 24 hours

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Three reasons why you should use First Merchants Bank

  1. You’ll get a top-rated bank for attentive service and customer experience.
  2. You’ll get a highly rated mobile banking app.
  3. You'll bank with a company that prioritizes enhancing the financial wellness of all member of the communities it serves.
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Why First Merchants?

Unlike other banks, we are more attentive to your needs. Whether you need assistance with personal banking priorities or the banking needs of your organization, First Merchants approaches all customer relationships with a genuine "helping you prosper" mindset.



Refinance higher rate debt or help make a large purchase with a fixed rate unsecured loan from First Merchants Bank!

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*Minimum credit score 680 and maximum debt to income ratio 40.99%. Minimum loan amount $2,500. $75 loan origination fee and $75 processing fee. Term limited to 12 months per $1,000 borrowed up to 60 months. Annual Percentage Rate (APR) are fixed rates with options as low as 12.99% APR and maximum 19.99% APR based on credit score and subject to change based on market conditions and borrowers’ eligibility.