Cash Now
Line of Credit
Cash when you need it, whether your car needs a fix-it or you need a boost between paydays.
Don't let a short-term cash crunch become a long-term problem
Quick cash when you need it
Get a $200 to $500 emergency loan depending on your needs (and get the funds in your account quickly).
Simple and transparent
No hidden fees. No surprises. We offer a flat rate of 17.99% APR1, so you know exactly what you’re getting into with one of Georgia's most trusted credit unions.
Flexible repayment
We know emergencies happen—that’s why we make monthly payments simple, straightforward, and much more affordable than predatory payday loan companies.
Small loan—big help
Car trouble? Surprise bills? You name it. We’ve got you covered if you need a boost:
- Tap into funds whenever. It’s a revolving line of credit, so you can access cash when you need it.
- Pay it back on your terms. One size doesn’t fit all—we offer flexible repayment options that fit your budget (unlike other payday loans).
- Have peace of mind. Add Member Protection Plus2 for an extra layer of security.
Qualifying is easy—all you need is a Georgia’s Own savings account, direct deposit history of at least 90 days, proof of income, and be a member in good standing.
Check out our other services
Personal Lifestyle Loan
Wedding bells or hospital bills? No sweat! Borrow up to $50,000 for just about anything you need, at an affordable rate.
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.
Learning Center
Learn about emergency loans, managing money, and more, so you can understand and take control of your finances.
Personal loans 101: What to consider before borrowing
Understanding the pros and cons of a home equity line of credit
What you need to know before lending (or borrowing) money from family
1Annual Percentage Rate (APR) is 17.99%. Repayment terms are 90 or 120 days based on loan amount. Payment frequency and amount varies based loan amount. To qualify, members must have a Georgia’s Own savings account, minimum of 90 days direct deposit history, proof of income, and accounts must be in good standing. Payment example: A $200 loan at 17.99% APR for 3 months would have a monthly payment of approximately $68.68 each. Please ask a loan officer for details.
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.
