Consumer Loans - Thumb Bank

Consumer Loans

Whatever goal or need you are trying to achieve we will help you determine the loan option that works best for you. From loans for remodeling, to auto and boat loans, debt consolidation and everything in between, we are here to help you with all your financing needs.

Apply now with our easy online application or contact your local branch.

Auto and recreational vehicle loans

  • Finance the purchase of a new or used vehicle
  • Fixed monthly payments at competitive interest rates
  • Interest rate discount with auto pay from your Thumb Bank & Trust account

Automobile Loans

Whether you're looking to finance a new or used vehicle, Thumb Bank & Trust offers a choice of repayment term options to help fit your budget. 

Boat Loans

Make the hot and humid days of summer a little more relaxing by spending them relaxing on your new boat.

RV / Camper Loans

Ready to put a little fun into your weekends? You can apply for financing on an RV or camper and start living your life the way you always wanted.

Recreational Vehicle Loans

Snowmobiles, four-wheelers, dirt bikes, etc. Let us know what we can do to help make your life a little more exciting.

Home equity term loans

  • Fixed interest rate and fixed monthly payment
  • Convenient auto payments available
  • Interest paid may be tax deductible *check with your tax advisor

Home equity lines of credit

  • Flexible lines of credit
  • Access by phone, online or mobile banking
  • Interest paid may be tax deductible, *check with your tax advisor

Secured Fixed-rate loans

Here's an alternative to dipping into your hard-earned savings or using your credit cards to pay for unexpected expenses - like that old dryer that finally gave out.

Personal line of credit / Overdraft Protection

Looking for your own personal line of credit? Want to protect yourself if you run short of money? Thumb Bank & Trust’s Personal Credit Line, managed through your Thumb Bank & Trust checking account, offers you convenience, flexibility and security, giving you immediate access to a credit line up to $5,000.

  • Managed through your Thumb Bank & Trust checking account
  • Use line for any purpose, up to pre-approved credit limit
  • Apply only once

Other Loan Options

Let Thumb Bank & Trust make your payments easy. Have access to your loan account information and make payments anytime using online or mobile banking. Or, you can arrange automatic deduction of your monthly payments from any checking or savings account. Most personal consumer loans are available with credit life insurance and payment protection plans. Both are written into your loan contract, with the premium as part of your monthly payment. All loans are subject to credit approval.

Use Thumb Bank & Trust's Financial Calculators to calculate payments and savings goals.

Consumer Lenders

Thumb Bank

Cheryl Willis

Vice President

  • Sandusky

Phone: 810-648-4076

NMLS#: 663328

Thumb Bank

Hayley Shantz

Assistant Vice President

  • Cass City

Phone: 989-872-4311

NMLS#: 2461079

Thumb Bank

Heather Drabek

Senior Vice President

  • Bad Axe

Phone: 989-269-8315

NMLS#: 758504

Thumb Bank

Linda Kandell

Assistant Vice President

  • Carsonville

Phone: 810-657-9333

NMLS#: 663330

Thumb Bank

Mary Damm

Vice President

  • Pigeon

Phone: 989-453-3113

NMLS#: 490488

Thumb Bank

Noel Tyrrell

  • Bay City - Center
  • Bay City - Wilder

Phone: 989-667-7200

Thumb Bank

Stacy Anthes

Assistant Vice President

  • Cass City

Phone: 989-872-4311