Georgia Rates & Terms

Personal Loan

Loan Amounts

$3,100 – $10,000

APR Range

34% – 59%

Loan Duration

6 – 60 months Loans with interest rates at or below 36% may not be eligible for 60-month terms.

Check Your Eligibility

This won't affect your credit score.

Fees

Origination Fee:

On loans with an interest rate of 36% or less, a 5% origination fee will be deducted from the amount of the loan. Interest rate is distinct from APR, and you can learn more about the difference at our FAQ.

Typical Loan Example

This is Derek.

  • Derek applies and is approved for a personal loan of $5,450.
  • His loan's APR is 54%.
  • He customizes his loan duration to make sure his monthly repayment is manageable.

Here’s what his repayment will look like.

Loan Duration

54 months

Monthly Repayment

$284

Loan terms vary based on application details and qualifications.

Origination Fee Example

This is Joyce.

  • Joyce applies and is approved for a personal loan of $6,000.
  • Her loan's interest rate is 35.675%.
  • Because her interest reate is less than or equal to 36%, she is charged a 5% origination fee.
  • Taking her interest rate, origination fee and other factors into account, her loan's APR is 38.44%.

Here’s how that looks after her 5% origination fee is assessed.

Loan Amount

$6,000

Amount Deposited in Account

(Amount requested - 5% origination fee)

$5,700

State Regulator Information

We are proud to operate in compliance with Georgia regulations.

If we are unable to address your questions or concerns, you can also contact your state regulatory agency:

Corporations Division
237 Coliseum Drive
Macon, Georgia 31217-3858
Phone: 478.207.2440
sos.ga.gov

Check Your Eligibility

This won't affect your credit score.