loans & Mortgages

Whether you're in the market for an automobile, an armoire, or an Australian vacation, our low interest rate loans can help you with these purchases.

Enjoy a Payment Holiday!
If you would like to Skip a Payment – click here.

Our Loans are a perfect 10!
We've got 10 great reasons to borrow from Georgia's Own Credit Union!

  1. Establish a loan 24/7 over the phone or online.
  2. No hidden fees or prepayment penalties.*
  3. Payroll deduction or automatic transfer of payments from your Georgia's Own account.
  4. Great rates!
  5. Member Protection Plus available on all consumer loans and credit cards**
  6. Optional extended warranties available on auto loans.
  7. We will package a loan according to your needs and requests.
  8. Georgia's Own is convenient and local.
  9. Personal service. We do not charge you to speak with a Georgia's Own representative in a branch or over the phone.
  10. Flexible payment terms.

To be eligible for a loan with Georgia's Own, you must be a member and be at least 18 years of age. If you aren't currently a member but qualify for membership, we can open your account at the same time that we process your loan.


Establishing a loan is fast and easy! If you are ready to get started, just click 24/7 Lending. If you want to speak to a loan officer directly, call (404) 874-1166 or (800) 533-2062. Loan Officers are available 24 hours a day, 7 days a week.

For immediate loan assistance, you can also contact us by:
  • Stopping by any Georgia's Own Branch Office
  • Calling TeleTalk 24 hours a day, 7 days a week at (404) 874-0242 or (800) 533-3817 (listen for loan options)
  • Fax at (404) 881-2950



Member Protection Plus is a voluntary loan-payment protection product that helps you get relief from the financial burden of delinquency or default if a protected life event unexpectedly happens to you.

If a protected life event happens to you (and you're a protected borrower or co-borrower on the loan), Member Protection Plus will cancel or waive your loan payment(s), up to the contract maximums ? helping lessen your worries, and your family's worries, about paying loans during a time when your income may be reduced or lost and paying other household bills becomes challenging. Protected events include:

  • Loss of life
  • Disability
  • Involuntary unemployment
  • Family leave




Balance Financial Fitness Program

Take Control of Your Finances for FREE!

Georgia's Own has partnered with BALANCE to offer credit counseling, debt management, housing education and other great services for FREE! Click here to learn more.


* Application fees do apply to mortgage loans.
** Your purchase of Member Protection Plus 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 Member Protection Plus. 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.
DPGAP-0813-5B06, ? CUNA Mutual Group 2014, All Rights Reserved.