We've Got A Loan
That's Right For You

If you need some help buying that new car, motorcycle, paying for a vacation, or whatever it may be, we would like to be able to help you out.

We offer several types of consumer loans that we will fit to meet your financial needs. There are no application fees and we may even be able to approve you on the spot. Feel free to call us with any questions that you may have.

Use our financial calculators to help you with your decisions!

Whether you are looking to start up a new business or just need some financing to help operate your current one, you should give one of our lenders a call.

We deal with all types and sizes of businesses and strive to find ways to make the loan work for you.

If you are looking for a real estate loan, we have several options available to you.

We offer conventional mortgages to both consumers and businesses, as well as construction loans and second mortgages. Call us to receive more information on any type of real estate loan that you may need.

Farmers and Merchants State Bank
125 E James Street P.O. Box 137
Paynesville,MN 56362
(320)-243-3702