Lifestyle Loan

As low as APR1

You can borrow up to $50,000 for just about anything you need, to help you live the life you want.

Bearded man with two kids standing on a ski slope together

Life's expensive, but your dreams shouldn't be

Flexible repayment terms

We work with you to set up a budget-friendly loan with a competitive rate, at monthly payments you can afford.

Borrow up to $50,000

You can use your loan for just about anything, from weddings and family vacations to medical bills or college tuition.

Consolidate your debt

When you use your loan to pay off debt, we pay your creditors directly, so you just have one monthly payment to keep track of. It's that easy.

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APR = Annual Percentage Rate. For estimation purposes only. Eligibility requirements and fees may apply.

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1APR = Annual Percentage Rate. For estimation purposes only. APR is determined based on creditworthiness. Higher rates may apply. Ask a loan officer for details on how your rate is determined. Loans are subject to credit approval.


Bigger goals, bigger bills? We got you.

  • Borrow from $250 up to $50,000 with this installment loan—whatever works for you
  • Low rates make borrowing more affordable
  • Flexible terms mean that you can choose your priorities, whether you want to pay your loan off fast or lower your monthly payment
  • Use your loan for just about anything, whether your kids need braces or you need some cash to cover unexpected expenses
  • Member Protection Plus2 insurance can help you pay off the loan if you lose your job or there’s a death or disability in your family

Personal Loan FAQs

With a loan, you get all of the money at once, and then you pay it back over a set period.

With a line of credit, you borrow the money you need when you need it, up to a set limit. Then, you pay it back over time. Your monthly payment may change depending on how much you borrow. As long as your line of credit is open, you can continue to borrow money and pay it back, up to your maximum limit.

You can use your loan for just about any personal expenses, including tuition and education, paying off credit cards or other debt, and big events like weddings.

An installment loan is a loan that you pay back in fixed payments over a set period. When you’re approved for an installment loan, you get all of the money at once. Then, you pay a specific amount each month for the life of the loan. Many installment loans have a fixed interest rate, though some have a variable interest rate.

With a secured loan, lenders use something valuable, like your car or your house, as collateral. This means that if you can’t make your loan payments, the lender takes that collateral to pay back the loan.

With an unsecured loan, you don’t put up any collateral. Instead, the lender decides how much you can borrow based on your credit history.

Because they’re secured by collateral, secured loans usually have lower interest rates than unsecured loans.

That depends on the type of loan. If you aren’t a Georgia resident, contact us to speak with a loan officer.

Check out our other loans


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.


Student Loans

Whether you’re a college newbie, a grad school boss, or just need to refinance, we’re here to help.


Cash Now Line of Credit

When life throws you shade, we’ll throw you cash. Borrow up to $500 when you need it most, whether it’s for unexpected expenses or funds are tight before payday.


Learning Center

Go beyond banking with resources and news to help you make informed financial decisions.


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1Your Annual Percentage Rate (APR) is determined based on creditworthiness. Higher rates may apply. 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.

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.