Cash Now
Line of Credit

Cash when you need it, whether your car needs a fix-it or you need a boost between paydays.

Don't let a short-term cash crunch become a long-term problem

Quick cash when you need it

Borrow between $200 and $500 depending on your needs (and get the funds quickly).

Simple and transparent

No hidden fees. No surprises. We offer a flat rate of 17.99% APR1, so you know exactly what you’re getting into.

Flexible repayment

We know things don’t always go according to plan—that’s why we make repaying your loan simple, straightforward, and much more affordable than predatory payday loan companies.

Bridge the gap

Small loan—big help

Car trouble? Surprise bills? You name it. We’ve got you covered if you need a boost:

  • Tap into funds whenever. It’s a revolving line of credit, so you can access cash when you need it.
  • Pay it back on your terms. One size doesn’t fit all—we offer flexible repayment options that fit your budget (unlike other payday loans).
  • Have peace of mind. Add Member Protection Plus2 for an extra layer of security.

Qualifying is easy—all you need is a Georgia’s Own savings account, direct deposit history of at least 90 days, proof of income, and be a member in good standing.

Check out our other services


Personal Lifestyle Loan

Wedding bells or hospital bills? No sweat! Borrow up to $50,000 for just about anything you need, at an affordable rate.


Personal Line of Credit

Adulting is hard. Unexpected expenses are harder. Get the cash you need and borrow up to $30,000 without draining your wallet.

Learning Center

Go beyond banking with resources and news to learn how to make informed financial decisions.


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1Annual 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. Payment example: A $200 loan at 17.99% APR for 3 months would have a monthly payment of approximately $68.68 each. Please ask a loan officer for details.

2Insurance and warranty products are not products of Georgia’s Own Credit Union. Insurance and warranty products are not deposits, they are not federally insured, and may be subject to risk. They are not an obligation of or guaranteed by Georgia’s Own Credit Union.