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A Loan for all occasions

Personal loans are a smart option to finance your short or long-term needs.

Personal loans are more favorable than credit cards because they typically offer lower interest rates and you receive your money upfront in a lump sum. Plus, you’ll know how to budget since your monthly payment stays the same. 

Get funding fast

With a personal loan from Georgia United Credit Union, you decide how to use the funds whether it's a vacation, for self-care, big-ticket items, debt consolidation or emergency expenses.

Georgia United Personal Loan Benefits
  • Applications take as little as 3-5 minutes to complete
  • Quick approval times
  • Enjoy low rates and no prepayment fees
  • Flexible loan terms
  • Loans range from $500 - $100,000


Personal Loan Rates and Fees

Up to 24 months
5.74% to 15.49%
Up to 36 months
5.99% to 15.74%
Up to 48 months
6.74% to 16.49%
Up to 60 months
6.99% to 16.74%

Fee Type
Return Loan Payment ACH
Return Loan Payment Check $15
Late Payment Fee
 20% of interest due if the payment is late 10 days or more


Throughout the pandemic, there has been a smooth transition to online banking while the in-person tellers were closed. I have been able to manage my funds via online banking and even purchased a new vehicle with the assistance of the Loan Processor with whom I was able to reach via phone or email at the touch of a button.
- Alexis M.
The staff at Georgia United Credit Union are always extremely courteous and professional. I have been a member for several years and I've always felt that they were genuinely interested in my financial health. They truly go the extra mile to make sure the members are satisfied.
- Cristy L.
I love that Georgia United is a not-for-profit bank! I tell all my friends to bank here. It's just an entirely different approach to banking that puts the customer first.
- Julie P.
Think of everything you would appreciate about a helpful, engaging and hassle-free banking experience. That is exactly what I received! I have already referred five people to Georgia United. I will definitely be working with your fine staff again.
- Michael D.
I've enjoyed banking with Georgia United since we moved to Georgia. My entire family banks here. All of our financial needs are met. Everyone has offered us great customer service as well.
- Natasha B.

Start The Online Application.

*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. Membership eligibility restrictions and qualifications apply; all loans are subject to credit approval. Not all applicants will qualify. Payment example: A loan amount of $5,000 for 36 months has a payment range from $152 to $175 and finance charge range from $476 to $1,307. Minimum loan term is 24 months, with a maximum of 60 months. All loan terms can be paid early in full without incurring prepayment penalties. Minimum loan amount is $500 which at 24 months at the current minimum APR of 5.74% will result in a total payment of $22. Maximum loan amount is $100,000 which at 60 months at the current minimum APR of 6.99% will result in a total payment of $1,980.