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The offers that appear on are from companies from which receives compensation. This compensation may impact how and where (including the order in which) offers are presented to consumers. does not make loan offers but instead pairs potential borrowers with lenders and lending partners. We are not a lender, do not make credit decisions, broker loans, or make short-term cash loans. We also do not charge fees to potential borrowers for our services and do not represent or endorse any particular participating lender or lending partner, service, or product. Submitting a request allows us to refer you to third-party lenders and lending partners and does not constitute approval for a loan. What you may be presented is not inclusive of all lenders/loan products and not all lenders will be able to make you an offer for a loan.

Find Georgia online personal loan lenders through for good and bad credit. Secured and unsecured personal loans may be approved by next business day

Searching for an unsecured or secured loan in the Peach State? If so, you can request funding using our short form below for up to $40,000. To start the process, provide your first and last name and your email address. From there we’ll take you to a request form that’s just a little bit longer. Once you click the “Get Started” button on that page, we will try to find you an affiliate lender.

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You are required to repay some short-term loans in one lump sum. In contrast, installment loans are paid back a little at a time according to a monthly payment schedule. The money you pay goes towards the principal as well as the interest on the loan. Depending on the lender and your situation, the APR will vary. , our affiliate lenders offer APRs starting as low as 4.84 percent.

Georgia Personal Loans

Georgians are taking out personal installment loans for the following reasons:

  • Debt consolidation - Georgians carry the third highest average credit card debt in the U.S. According to CNBC, the average credit card balance in Georgia is $5,953. It would take 18 months of aggressive payments to pay that off. Taking out a personal loan with a lower interest rate and fees than your credit card could allow you to pay your debt down even faster.
  • Medical bills - In Georgia, the average cost of insurance coverage is $4,706 per year for an individual and $13,149 for a family. Even for families who have good insurance, doctor visits can be pricey. And if someone in your family has an emergency or develops a serious health issue, medical bills can quickly run into the tens of thousands of dollars. For those Georgians with outstanding medical bills, a personal loan could be a way to pay them off.
  • Home improvement - Planned home repairs and renovations can cost thousands of dollars. Many people use personal loans to fund these projects. Also, if a pipe bursts in winter or you discover a termite problem, you might need more money than you have in savings to cover the repairs.
  • Emergency car repairs - If your car needs major repairs like a new transmission, putting it off might not be an option. Yet without the money to cover repairs, you could be stuck without transportation, unable to get to work or school. Personal installment loans can help you keep your car on the road and keep your life moving.
  • These are just some of the reasons why people take out this type of funding. If you would like to seek a personal loan now, fill in our online form to get the process started.

Georgia State Economy

With the 9th largest GDP in the nation, Georgia has a strong economy. It routinely ranks in the Top 20 for healthiest economies in the US. If it were its own country, Georgia’s GDP would be ranked twenty-eighth in the world. The state boasts a diverse economy, based on manufacturing and agriculture as well as import and export. Georgia also has a strong military contingent with bases and installations around the state. 

The Peach State is home to 15 Fortune 500 companies including iconic brands like UPS, Delta Airlines, Home Depot, and Coca-Cola. A big agricultural state, farmers in Georgia produce peanuts, tobacco, peaches, poultry, cotton, pecans, timber, and other cash crops.

The state is also a major transportation hub. Atlanta’s Hartsfield-Jackson International Airport is the world's busiest airport for both passenger traffic and aircraft traffic. 

More than 10 million Americans call Georgia home, with over half of these residing in the Atlanta metropolitan area. The state’s median home price is around $180,000 while the average renter pays about $775 per month.


Legitimate lenders with good reputations can sometimes be hard to distinguish from scammers. However, there are ways to pick out the good from the bad.

  • Be cautious of anyone or any business who asks for information without you applying for a loan. If a creditor solicits information from you, either by phone call, email, or text message, it may be a scam. Never provide your personal information, Social Security Number, or banking information to an unverified source.

  • Reputable lenders don’t ask for loan origination fees. Being asked to pay up-front fees by wire transfer, a pre-paid debit card, or some other means should make you suspicious.

  • Lenders who use intimidation tactics to get you to agree to a loan offer should not be trusted.

    Be wary of debt collection scams as well. Some unscrupulous debt collectors use legal action or arrest as threats to intimidate you into paying money you might not even owe. There are currently laws protecting consumers from this type of treatment. To remain safe, never give or send money to an unverified source.

    Things to Consider Before Borrowing

    Before requesting a loan, be sure you meet the lender’s requirements. Some requirements that we have seen include that you should be 18 years or older, have proof of income and a Social Security number, be a U.S. citizen or a legal resident, and have a valid bank account.

    Georgia also has rules and regulations to protect borrowers. To get accurate information about these, contact the Georgia Department of Law Consumer Protection Unit.

    Lastly, before taking out a loan, make sure you understand your financial responsibilities and the implications of borrowing and repaying the money.