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Personal Loans

With low rates and flexible terms, our personal loan options help you manage unplanned expenses, get some extra cash or rebuild your credit. Applying for a Georgia United personal loan and getting approval is quick and convenient.

We have Personal Loan options to fit your exact needs

If you need extra cash fast, we’ve got you covered. With multiple personal loan options, we have what you need to apply easily, get a fast approval response, make payments conveniently and enjoy some relief with peace of mind.

Personal Lines of Credit

 

This revolving, open line of credit can be used as a source of additional cash or as overdraft protection** for your checking account. Enjoy benefits like no prepayment penalties and convenient line advances at the teller window, Online Banking or at the ATM.

New Teacher Loans

Our New Teacher Loan is designed to help new teachers cover their expenses during the first year of contract. With a low, fixed rate and terms up to 36 months, this personal loan allows new teachers to focus on their students and not worry about their finances.

Share Secured and Certificate Secured Loans

Enjoy low rates and flexible terms with a secured loan from Georgia United. Secured loans allow you to borrow money while using the money you have saved in a deposit account as collateral. You could potentiality earn interest on your savings or certificate accounts while you borrow. These loans are the perfect way to help you rebuild or re-establish your credit.

Protection Plans

Don’t be caught unprepared

Don’t let major car repairs or an unexpected circumstance take you by surprise. Add a Loan Protection Plan for added peace of mind. Georgia United offers Debt Protection, Extended Warranty and Guaranteed Asset Protection (GAP) Coverage. 

The loan officer was readily available each time I needed to make contact with her. Great experience.
- Deborah P.
Efficient and professional service. Loan applications fast and unencumbered. Customer service oriented staff.
- Mike G.
I have referred others and they have used Georgia United for multiple loans!! The customer service representatives are so responsive and I feel as though two of them are my personal bank reps! I love Georgia United!
- Wendy B.
I have been a member for over ten years. I am able to get personal loans and vehicle loans quick and easy, the staff are always friendly and helpful. All three of my children are members as well. I would highly recommend Georgia United Credit Union.
- Jacqueline R.

*APR = Annual Percentage Rate with rates as low as listed rate. Subject to credit approval. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice. All loans are subject to pricing adjustments based on the borrower’s credit worthiness and loan-to-value.

**You may choose an overdraft protection plan that “links” your accounts in order to cover your overdrafts. You can tell us to “link” a savings or loan account to your checking account, so if you cause an overdraft, we will transfer money from your linked account to pay the overdraft. If there’s not enough money in any of your linked accounts, your transaction may be rejected, and the item will be returned to the merchant. If you have no money available in any of your linked accounts, there may be an NSF fee of $32.00 each time we reject an item. There is a transfer fee of $4.00 each time we transfer funds from your savings, checking or money market account. There is no transfer fee if we transfer funds from your line of credit or credit card. If you link a line of credit or credit card account to pay overdrafts from your checking account, amounts will be added in increments of $50.00. Fees will be added to the balance and interest will accrue on the entire balance at the rate disclosed in your line of credit or credit card agreement. Any overdrafts on your checking account will be added to your line of credit or credit card, even if the owner or authorized user of the checking account who causes the overdraft is not a borrower on the line of credit or credit card. Transfers from your credit card will be charged as cash advances and may incur a higher annual percentage rate. There are no limits on the total fees we can charge for overdrawing your account. We may increase fees at any time. See our Fee Schedule for the most current fees.