Consumer Lending


Merit Bank invites you to talk with us today about any of our Consumer Loan options. Everything is processed right here in North Alabama to get you the quickest and easiest results possible.


Use the equity in your home to finance your upcoming major expenses, such as home remodeling, vacations, consolidate debts or college expenses. We offer competitive rates with flexible terms to meet your needs.

Our home equity line of credit provides you a revolving line of credit, so you have excess funds when you need it.

  • Revolving line of credit
  • Borrow what you need, when you need it within your credit limit
  • Make payments only on the amount you've borrowed
  • Adjustable rate loan
  • Possible tax deductions


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