Consumer Loans

Consumer Loans

First Farmers & Merchants Bank responds to the credit needs of the communities it serves. We're committed to fast, efficient, friendly service to our Consumer Loan customers.


  • Local loan officers are empowered to make decisions on consumer loan requests. That means a prompt response to your needs.
  • A loan decision will be made within 24 hours of your completed loan application.
  • Loan payments may be made by check, or we can systematically draft payments from your deposit account at First Farmers.

If you would like more information, please contact one of our loan representatives at (931) 388-3145 or email

Email sent through this link is neither secure nor confidential. Please do not provide any personal or sensitive information like your account number or Social Security Number when using this method of communication.

Click here to access our Auto Loan Monthly Payment Calculator.

Click here to access our Home Loan Monthly Payment Calculator.