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Personal Loans

With low rates and flexible terms, our personal loan options help you manage unplanned expenses or get some extra cash. 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 Loans

Personal unsecured loans are designed for weddings, vacations, to pay off high-rate credit cards or to help with life's other unexpected events.

  • Paid out in one lump sum
  • Loan amounts range from $500 - $100,000
  • Fixed monthly payments and flexible terms to fit your needs

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. These loans are the perfect way to help you rebuild or re-establish your credit.

Protection Plans

Don’t be caught unprepared

An unexpected job loss, death or disability could prevent you from being able to make loan payments. With Georgia United’s Debt Protection***, your loan payments or balance may be canceled, up to the contract maximums, in case of involuntary unemployment, disability or death. It’s just one more way you can look out for the people you love.

Georgia United Credit Union values all their customers. I got help with establishing credit when I had none because I always paid with cash. They help me get a credit card and told me all the ways I could establish good credit. I now have a credit score of 760, own a home and have no debt except the mortgage.
- Dakota D.
We have been members since 1968 and have always been satisfied with the service and the different things we’ve done from buying cars to refinancing mortgages.
- Marion A.
You guys always have great rates and are very helpful when I come to the branch for any financial needs. I would recommend anyone over to you guys.
- Timothy T.
Georgia United has great interest rates for loans. I receive my pay earlier with Georgia United Credit Union than regular banks.
- Zenobia W.
I've been with Georgia United for many years and have availed myself of various opportunities (loans in particular). Regardless of who I've dealt with, I've always been extremely pleased with the service and product. Georgia United has superior rates and very very competent personnel. Why would I go elsewhere for my financial needs? The answer is, "I wouldn't."
- Linda J.
Super easy and fast. Applied for the loan and turn around was immediate.
- John O.
Professional Service! Good rates! My loan officer was given three p's! Prompt, professional, and personable.
- Jerry D.
I have been a satisfied member for over 10 years. All my family are members of Georgia United and I have also recommended friends to become members of Georgia United, due to ease and low interest rates for auto loans, home loans, and personal loans.
- Jacqueline R.
We have been going through you guys for almost 10 years and multiple loans always been a good process.
- Matthew L.
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.

*APR = Annual Percentage Rate with rates as low as listed rate. 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. Membership eligibility restrictions and qualifications apply; all loans are subject to credit approval. Not all applicants will qualify. 

**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 $35.00 each time we reject an item. There is a transfer fee of $5.00 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 Share Rate and Fee Schedule for the most current fees.  

***Your purchase of Debt Protection is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative, or refer to the Member Agreement for a full explanation of the terms of Debt Protection. You may cancel the protection at any time. If you cancel protection within 30 days you will receive a full refund of any fee paid. DP, GAP-4322423.1-0222-0324