PERSONAL LOANApplication Form

How much would you like to borrow?

By submitting your information you claim you have read and understood and agree to Privacy Policy, Terms of Use, Responsible Lending and Marketing Practices

Georgia Personal Loans up to $35,000 Online

Georgia Personal Loans up to $35,000 Online


Apply Online now to get bad credit Personal Loans in Georgia with a direct money deposit the next business day.

Residents of Georgia can apply for a Personal Loan up to $35,000 and get approved even if they have a fair or bad credit. Check availability, rates and terms of reliable direct lenders. You don't need either guarantor or collateral. The money will be deposited into your bank account within 1 - 2 business days. Applying is free, qick and easy and doesn't affect your credit history.

Need emergency cash up to $35K? Find out how to get a Personal Loan Online with bad credit and no credit check required. Get guaranteed instant approval online. Financing is likely to be granted within 1 - 2 business days.


Why Choose Compacom for Personal Loans in Georgia

If you've come across urgent financial needs and the next pay day is far away, Compacom will help you get instant cash today with fast and easy Online Payday Loans from the best Georgia direct lender. More than 618 624 trust us and they have clear-cut reasons.
Customized loan offers
Borrow up to $35,000 for any personal needs no matter what your credit score is.
Instant approval decision
Get quick approval from the best direct lender and same-day funding.
Competitive rates
Check your rates online and get the APR as low as 3.99%.

How Georgia Personal Loans Online Work - 3 Easy Steps to Instant Cash

Apply Online in Minutes

Complete a quick application form and get personalized offers from the best personal loan providers.

Get Instant Approval

Once you've chosen the most suitable loan offer, discuss the rates and terms with the lender and sign the loan agreement.

Get the Funds

As the loan is finalized, you are likely to get the money deposited to your bank account on the same business day.
Start Now

Are Personal Loans Legal in Georgia?

Loan Rates and Fees, Laws and Regulations in Georgia.

We've done a thorough research of the main lending details and presented them in the table to make it more clear and convenient for you:

Law statuslegal
MIN Loan Amount$1,000
MAX Loan Amount$35,000
MIN. Loan Term90 days
MAX. Loan Term60 month
MIN APR4.99%
Collateral or guarantorNone, unsecured
Credit score requirementsAvailable for Bad Credit
Apply online

We are soon expanding to the following cities of Georgia. For instant cash advance at these locations you can use our online application form

You must gain control over your money or the lack of it will forever control you. --Dave Ramsey

The problem of money need can be easily solved with the help of Personal Loans. Apply now! Be the master of yoour own life! --


Unsecured Personal Loans in Georgia

Where to get Personal Loans for Bad Credit: online direct lenders, check cashers, credit unions, banks.

Can i find No Credit Check Personal Loans in Georgia?

Georgia law on Personal Loans.

Unsecured personal loans in Georgia. 

Most Georgians apply for Personal Loans to buy boats and following equipment, cause they like to spend time on the water. Some of them also take out Personal Loans for home renovating and remodeling.

There are a lot of companies that can approve your application for a Personal Loan, but like in other states it depends on your credit score. You can also get cash advance with bad credit, but the interest rate will be higher.

If we talk about rules and regulations, there are state regulations according to which lenders can't set interest rate more than 16% on loans up to $3,000. For loans from $3,000 to $250,000, the laws are less hard, cause terms and conditions are pointed out in the agreement. Besides state regulations there are Federal ones as well. The Federal Truth in Lending ACT (TILA) urges all borrowers to get and carefully read the personal loan agreement before signing, ask the lender all the questions you have. The agreement should have clear information about fees, interest rates, terms and conditions. It's easy to get a Personal Loan in Georgia, in fact it is mostly like in the other states. You just need to:

  • be an adult,
  • have stable verifiable income,
  • be Georgia resident (US),
  • have a social security number.

If you fill out the form to get a Personal Loan online, you can get money the next day.

Where to get Personal Loans for Bad Credit: online direct lenders, check cashers, credit unions, banks. 

  • Direct lenders offer Personal Loans for bad credit online, sometimes even without credit check. At first sight it can seem crazy to offer a high amount of money to borrowers who showed that they can't repay their loans. But on the other hand, it has a lot of sense. Direct lenders know that they can lose their money, but they set high rates on the bad credit loans to compensate the risk. Imagine there are 30 borrowers, ten of them failed to repay their loans, so the company raises fees and interest rate to get their money from the remaining 20 borrowers.
  • Credit union is a great option. Personal loans from credit union have twice less interest in rate in comparison with banks (18% against 36%). But to get this kind of advantageous credit you should become a member of the credit union. There are always some requirements about credit score and bank account, but even the consumer with bad credit score can qualify for some credit union. The credit union representatives may judge not by credit score, but by your character and promise to repay. If you're a teacher or government worker, you can try to join Schoolfirst Credit Union or State Employees Credit Union. If you're a veteran of the armed forces, you also have an option to join PenFed Credit Union or Navy Federal Credit Union.
  • Check-cashing services offer you a lot of options besides check-cashing such as: notary services, payday loans, credit and debit cards, bill payments, currency exchange. It depends on the current company and even the location where it's situated. The biggest difference between check-cashiers and other companies is that check-cashing services have menu like in a restaurant (with the list of services instead of meals). The prices are usually exact and noted in dollars, but sometimes they are indicated as percent of the total check cost. Check-cashiers are like banks, but you don't need to have good credit history to get a loan, moreover fees are often quite clear. If we talk about banks, they often have unclear fees. Fees of check cashiers are usually higher than in banks, but on the other hand you know what exact sum you have to pay off.

There are 3 main reasons why do people use check-cashing services instead of banks:

  • Cost. That's what we mentioned above, check-cashiers often have clear fees, which are usually higher than in banks. But it doesn't mean that using banks is profitable, the banks try to bleed whit by tricky fees (such as account maintenance). Moreover, some services offered by check cashiers, for example, order of a prepaid debit card are cheaper and faster than banks alternatives.
  • Service. Check-cashiers are quite client-oriented companies. To make good money, they have to provide good customer service and excellent communication with clients. Most banks don't pay much attention to those moments. When you know the name of a client, learn and remember his story, talk with people in a positive way, it's worth its weight in gold.
  • Clarity. The services, which check cashiers offer, have are very clear prices, just like hamburgers in McDonald's. If we talk about banks, they try to hide additional fees, they use fine print for these purposes. When the sum of money disappears from your account, it's not very pleasant, especially if you didn't expect it.

Let's talk about banks. If you have the account with bad credit score and want to get a loan in a bank, the first thing you can do is to try to fix these problems. Secondly, you can ask the bank to reconsider the application. If it didn't work for you, you can apply to a bank that doesn't check your credit history.

Yes, you can open a bank account even with bad credit history, there are banks which don't use CheX system (TD Ameritrade for example). CheX is the system which uses your social security number to find your credit history. Let's compare banks to credit unions:





More amount of available online functions.

Freedom to choose financial products.

Have branches in different location.

Low rates for deposit accounts.

High interest rates for different kind of loans.

High fees.

Hard to apply.

Credit unions

High rates for deposit accounts.

Low interest rates for different kinds of loans (sometimes twice less).

Low fees.

Easy to apply.

Poor online presence.

Limited number of available financial products

Usually situated in one location.

It's up to you what to choose, each type has its own pros and cons, you should take into account your current situation.

Can I find No Credit Check Personal Loans in Georgia? 

Before you decide to take out a Personal Loan with no credit check, you should consider some factors:

  • Firstly, if the lender doesn't check your credit history, it means that he doesn't think about whether you can afford it or not.
  • Secondly, the interest rates on no check personal loans are extremely high, cause it's a great risk for a lender.
  • Finally, the lenders who offer no personal check are more likely to be swindlers.

If you still want to take no check personal loan, there are a lot of direct lenders, who offer them online, which are available in Georgia like in any other state. Why am I talking about online application? Cause to get a Personal Loan online is the easiest and usually the quickest variant. You don't have to go to the location, where the organization is situated, you don't have to wait in a line.

Georgia law on Personal Loans. 

Personal loans in Georgia state are regulated by the Georgia Bureau of Loans along with the Georgia State Banking Department. The legal maximum rate of interest in Georgia is 7% per year for not specified rate, the rate higher than 7% must be in the documents, 16% where the sum is $3,000 or less and there's no limit on rate for loans between $3,000 and $250,000 (it must be written in the agreement). The exceptions are small industrial loans, National Banks (which have N.A. or National in the name), small payday lenders like pawn brokers can also be an exception.

For violation of these rules there's a penalty according to Georgia usury laws. The lender who violates interest rate limits forfeits the whole interest taken. This money can be used to repay the loan if the borrower hasn't been repaid it yet. If the borrower has been paid off all the money, the lender must repay the forfeited interest. If you need help, there are a lot of consumer protection attorneys throughout Georgia. You can also file a complaint to Internet Crime Complain Center; or Better Business Bureau.


Do I qualify for a bad credit Personal Loan in Georgia?
Can I get Georgia Personal Loan with no credit check?
Who is the best to get Georgia Personal Loan from?
How fast can I get a Personal Loan in Georgia?


Independent lenders have their own individual requirements that must be met, but typical minimum requirements include, but may not be limited to:

  • Georgia (US) residence
  • Minimum regular income of $1,000 per month
  • Valid checking or savings account with direct deposit
  • Phone number and e-mail address (if applying online, you must be able to be contacted via phone if verification of application information is necessary)
  • Not be a regular or reserve member of the Air Force, Army, Coast Guard, Marine Corps or Navy (or be a dependent of someone who is,) serving on active duty under a call or order that does not specify a period of 30 days or fewer.
  • If applying Online, you must provide a valid Social Security Number
  • If applying at Loan Store, you must bring a valid government issued photo ID. A Social Security Number might not be required
  • If applying in-store, you must bring proof of income and proof of a bank checking account. Debit cards or pre-printed checks may be accepted in your state as proof of bank checking account; contact your local store for details. Acceptable documents may vary by state.

Cash Advance and other Money Offers in Georgia

Up to $1,000 instant cash advance for a short term of 14 - 30 days. Same-day financing once approved. Bad credit is considered too.
Up to $5,000 instant cash with guaranteed approval from direct lender with a few months of scheduled installments.
Fast Title Loans secured by your vehicle title as collateral. No inspection. No credit checks. Instant cash for bad credit same day.

Personal Loans Hub

In the Personal Loans Hub, we've collected all the useful guides and resources on Personal Loans. Our experts conducted thorough research to give you the answer to any possible question on the topic.

Top Articles

Start online application