Personal Loans & Lines of Credit
Need cash? We can help, whether you have to cover a big expense or just need a little to hold you over.
Compare Personal Loans & Lines of Credit
Three options with affordable rates, so you can borrow what you need and live the life you want, worry-free.
Lifestyle Loan | Personal Line of Credit | Cash Now Line of Credit | Secured Loan | |
|---|---|---|---|---|
| A fixed-rate loan with regular monthly payments | Borrow what you need, when you need it | A little extra cash to hold you over until payday | Secured by your Georgia's Own savings or CD | |
| Borrow up to | $50,000 | $30,000 | $500 | The amount in your savings or CD |
| Annual Percentage Rate | As low as 10.99% APR1 | As low as 12.25% APR2 | Flat, fixed rate of 17.99% APR3 | As low as 7.00% APR4 |
| Type of credit | Installment | Revolving | Revolving | Installment |
| Apply Now
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Get the money you need and stop stressing
You can use your personal loan or line of credit for just about anything, including:
- Home or car repairs
- Unexpected expenses, like replacing your washing machine or paying the vet bill
- Medical and dental expenses that aren’t covered by your health insurance
- Consolidating debt
- Tuition and other education costs
- Special events like weddings and family vacations
- Almost anything else you can think of
Learning Center
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1Your Annual Percentage Rate (APR) is determined based on creditworthiness and may be higher than the APR shown. Ask a loan officer for details on how your rate is determined. Payment example: A $1,000 loan at 12.49% APR for 12 months would have a monthly payment of approximately $89.08. Subject to credit approval.
2Rate is variable and may change. Your APR may be different than APR shown. It will be based on a determination of your creditworthiness. Please ask a loan officer for details on how your rate is determined. Subject to credit approval. Minimum monthly payment after each advance is 3% of outstanding balance or $25 minimum.
3Annual Percentage Rate (APR) is 17.99%. Repayment terms are 90 or 120 days based on loan amount. Payment frequency and amount varies based loan amount. To qualify, members must have a Georgia’s Own savings account, minimum of 90 days direct deposit history, proof of income, and accounts must be in good standing.
4Your Annual Percentage Rate (APR) is determined based on creditworthiness and may be higher than the APR shown. Ask a loan officer for details on how your rate is determined. Payment example: A $1,000 loan at 7.00% APR for 36 months would have a monthly payment of approximately $44.77. Subject to credit approval.
