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Get the extra spending power you need
Whether you need to pay for large expenses, consolidate debt, or just need quick cash for something small, Georgia’s Own can help. Find a personal loan or line of credit that’s best for you, calculate your monthly payments, and apply below.
Apply for a Personal Loan
Lifestyle Loan
With low rates, flexible terms, and loan amounts up to $50,000, a Lifestyle Loan from Georgia’s Own is an affordable way to pay for whatever it is you need—or want.
Personal Line of Credit
When emergencies—like car repairs, insurance deductibles, broken appliances, etc.—pop up, a personal line of credit from Georgia’s Own provides quick, easy access to the money you need without draining your account.
Cash N.O.W. Loan
If money is a little tight before your next payday, a Cash N.O.W. loan from Georgia’s Own can get you the cash you need to pay for smaller expenses. Advance amounts range from $200 to $500, and it’s easy to qualify so you can get your money fast.
Calculate your potential payments below!
This is our best available Annual Percentage Rate and is for estimation purposes only. Eligibility requirements and fees may apply.
All amounts are for estimation purposes only. Actual amounts and rates may vary depending on your individual credit history. Estimates do not constitute a loan agreement or guaranteed rate. The loan rate will be the rate in effect when the loan is completed. The maximum APR, for any type of loan, shall not exceed the limit set by applicable law(s).
Personal Loan Payment Calculator
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** Rates are determined based on creditworthiness. Higher rates may apply. Ask a loan officer for details on how your rate is determined.
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Details & Disclosures
**Your Annual Percentage Rate (APR) and Daily Periodic Rate may vary according to your creditworthiness. Please ask a loan officer for details on how your rate is determined. Subject to credit approval.
Points:
A point is equal to one percent of the principal amount of your mortgage. For example, if you get a mortgage for $100,000, one point means you pay $1000 to the lender. These points are usually collected at closing and may be paid by the borrower or the home seller, or may be split between them.
Annual Percentage Rate (APR):
A rate that reflects the actual annual cost of a loan and includes the loan interest rate, private mortgage insurance, points and some fees.
Loan Assumptions and Disclosures
These sample rates are published weekdays at 10:00am EST.
The information provided is general and assumes only the following scenario:
- Purpose of the loan: Purchase a property.
- Property location: Atlanta, GA 30303
- Property Type: Existing single family home
- Property Use: Primary residence
- Estimated property value: $200,000
- Estimated down-payment: $40,000
- Loan amount: $160,000 (80% Loan to Value)
- Credit Score: 740
- Escrow (impound) account is required.
- Rate lock period is 45 days.
- Fees: $3000 to estimate closing costs in order to approximate an APR.
Georgia's Own Credit Union Loan Options
Mortgage Type:
5/5 ARM
Advantages:
- Interest rate stays fixed for first 5 years. Adjusts every 5 years thereafter.
Best Choice If:
- The benefits of both a Fixed and ARM product.
Disadvantages:
- Interest rate and monthly payments will adjust in the future.
- Interest rate can rise above the current fixed rates over time.
ARM Features:
- Fixed for 1st 5 years, adjusts every 5 years after.
Georgia's Own Credit Union Loan Options
Mortgage Type:
30-Year Fixed
Advantages:
- Level principal and interest payments for the full term of the loan.
- Allows for higher loan amount qualification and enhanced buying power.
- No risk that changing market conditions will increase your monthly payments.
Best Choice If:
- You plan on staying in the home long-term.
- You need your monthly payments to remain fixed over the life of the loan.
Disadvantages:
- Benefits of the fixed rate are not realized until after the 10th year. (10/1 ARM is a better option if loan is paid-off within 10 years.)
Georgia's Own Credit Union Loan Options
Mortgage Type:
15-Year Fixed
Advantages:
- Level principal and interest payments for the full term of the loan.
- No risk that changing market conditions will increase your monthly payments.
- The loan balance will decrease more rapidly than a 30 Year mortgage.
Best Choice If:
- You plan on staying in the home long-term.
- You need your monthly payments to remain fixed over the life of the loan.
- You would like to pay-off the loan balance quickly.
Disadvantages:
- Monthly payments are higher than a 30-year mortgage
Sample Payment:
- Please click on the P&I link at