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Consumer Loans

Quick turnaround, competitive rates and friendly service - now that's the way banking should be! Better still, you can start right now. To calculate various financing and payment options, use our convenient calculators.

How to Prequalify

Home Equity Loans and Lines of Credit: Apply online.

Other Consumer Loans: You may download and print a loan application using Acrobat Reader (can be downloaded for free from Mail or fax your completed form or drop it off at any branch.

Applications are also available at every branch.

Loan applicants must reside in New Hampshire. If you would like further information, please contact Consumer Lending by email or call us at 225-2793.

Home Equity Line and Loans

The Home Equity Line of Credit and Home Equity Loan options allow you to borrow against the equity you've built up in your home. Many people are also able to enjoy a tax deduction for the interest paid. Consult a tax advisor regarding the deductibility of interest in your case.

The Fixed Rate Home Equity Loan is a popular option for customers who know how much they need and want to access the full amount immediately for a specific purpose.

The Home Equity Line of Credit is a revolving line of credit that gives homeowners the flexibility to borrow money at any time against their established line.

Automobile (New and Used)

Finance your new or used car for up to five years. We offer competitive rates and a discount of 1/4% when you have your payment made automatically from a Merrimack Premium checking account.

Motor Home/Camper/Trailer/RVs/Boats

If it moves, we can finance it! We offer competitive rates and a discount of 1/4% when you have your payment made automatically from a Merrimack Premium checking account.

Collateral Loans

Did you know you can borrow against your Merrimack Certificate of Deposit or Savings Account? This is a good way to start a credit history. Other collateral loans include pledged items such as tractors, bulldozer, backhoes, and loaders.


This personal line of credit tied to your Merrimack personal checking account lets you avoid overdrafts and gives you the security of knowing you have a handy line of credit for an unanticipated emergency.

Other Loans

From ninety-day notes, to loans on marketable securities, to partially secured personal loans, we’ve been helping our neighbors for more than a century. Contact us today to discuss your loan needs.

Payment Options

For added convenience and savings, you may choose automatic deduction of your monthly payment from your checking account. Or you may prefer the ease and control of using Merrimack 24 Online Banking to transfer your payment from your checking or savings account

For information on borrowing wisely and other financial tips, visit The Consumer Credit Counseling Service of New Hampshire and Vermont Credit Page.