The Best Personal loans in Georgia– Feb 2021 Featured Image

By: Loanclose Staff

The topic of personal loans has been on the rise lately and it looks like this new type of financial service will only get more popular in 2020. With more traditional lenders moving their lending operations online, and the demand for personal loans growing it can be difficult to determine which lenders are offering the best Georgia personal loans.

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Not all lenders are the same. Their offers are not all the same as well, different lenders carry different APR ranges, different minimum, and maximum loan amounts, and they all have different fees associated with their loans as well as different ways of determining your interest. Some of the major online lenders might also not be able to lend in your state, that being said, it is important when looking for a personal loan you research different lenders find the lender’s specifications you prefer, or you could let us handle it and connect you with a lender online in minutes in Georgia here. Get pre-approved rates from the best lenders in Georgia in minutes.

LenderAPR RangeAvailable TermsMin Loan AmountMax Loan Amount
National Funding logo

15% - 30%

Estimated APR

Up to 1 Year

Available Terms

$5,000

Min Loan Amount

$500,000

Max Loan Amount
See Your Rate

Rate Range*

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Loan Terms*

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Loan Amount Range*

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Loan Features

Loan Amount

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Loan Term

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Good For

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Features and Benefits

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Lender Requirements
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LendKey logo

3.49% - 7.75%

Estimated APR

5, 7, 10, 15 or 20 Years

Available Terms

$5,000

Min Loan Amount

$250,000

Max Loan Amount
See Your Rate

Fixed Rate*

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Advertised Rate*

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Terms*

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Loan amount

Types of Student Loan Refinance

Private Student Loan Refinancing

[wps_meta key=”_cmb_comp”] offers refinancing on private student loans.

Federal Student Loan Refinancing

[wps_meta key=”_cmb_comp”] also offers refinancing on federal student loans as well.

Features & Benefits

Loan Amount

[wps_meta key=”_cmb_comp”] offers a minimum loan amount of $5,000. The offer loans of up to:

  • Undergraduate: $125,000
  • graduate: $250,000
  • Medical, Dental or Vetenary: $300,000

Loan Term

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Good For

Individuals who want a loan from a local or community bank at the lowest rate possible.

Features and Benefits

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Lender Requirements

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Kabbage logo

24% - 99%

Estimated APR

6, 12, or 18 Months

Available Terms

$2,000

Min Loan Amount

$250,000

Max Loan Amount
See Your Rate

Fixed Rates*

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Variable Rates*

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Loan Terms*

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Loan Amount Range*

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Loan Features

Loan Amount

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Loan Term

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Good For

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Features and Benefits

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Lender Requirements
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Payoff logo

5.99% - 24.99%

Estimated APR

2 to 5 Years

Available Terms

$5,000

Min Loan Amount

$35,000

Max Loan Amount
See Your Rate

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Loan Terms*

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Loan Amount Range*

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Loan Features

Loan Amount

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Loan Term

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Good For

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Features and Benefits

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Lender Requirements
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Prosper logo

6.95% - 35.99%

Estimated APR

3 to 5 Years

Available Terms

$2,000

Min Loan Amount

$40,000

Max Loan Amount
See Your Rate

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Loan Terms*

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Loan Amount Range*

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Loan Features

Loan Amount

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Loan Term

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Good For

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Features and Benefits

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Lender Requirements
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Credible logo

4.5% and up

Estimated APR

5 to 20 years

Available Terms

$1,000

Min Loan Amount

The Cost of Your Tuition

Max Loan Amount
See Your Rate

Fixed Rates*

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Variable Rates*

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Loan Terms*

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Loan Amount Range*

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Loan Features

Loan Amount

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Loan Term

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Good For

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Features and Benefits

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Lender Requirements
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MyAutoLoan.com logo

2.74% - 27%

Estimated APR

2 to 7 Years

Available Terms

$8,000

Min Loan Amount

$100,000

Max Loan Amount
See Your Rate

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Loan Terms*

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Loan Amount Range*

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Loan Features

Loan Amount

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Loan Term

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Good For

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Features and Benefits

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Lender Requirements
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Web2Carz logo

2.63% - 7.75%

Estimated APR

5, 7, 10, 15

Available Terms

$1,000

Min Loan Amount

$100,000

Max Loan Amount
See Your Rate

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Loan Terms*

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Loan Amount Range*

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Loan Features

Loan Amount

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Loan Term

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Good For

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Features and Benefits

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Lender Requirements
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Credible logo

2.49% - 9.99%

Estimated APR

5 to 20 Years

Available Terms

Min Loan Amount

Max Loan Amount
See Your Rate

Advertised Rate*

2.49% – 9.99%

Loan Terms*

5 to 20 years

$5,000 and up

Loan amount

Types of Student Loan Refinance

Private Student Loan Refinancing

Credible offers refinancing on private student loans.

Federal Student Loan Refinancing

Credible also offers refinancing on federal student loans as well.

Features & Benefits

Loan Amount

Credible offers a minimum loan amount of $5,000 and a maximum loan amount of whatever your student loan balance might be.

Loan Term

Credible offers loan refinancing terms ranging from 5 to 20 years.

Good For

Individuals who want to refinance their student loans while having a lot of options and flexibility.

Features and Benefits

  • No origination or repayment fees. Credible and their partners will never charge you an origination fee or a repayment fee.
  • Cosigners are allowed to help you lower your rate
  • Repayment flexibility: choose when and how often you want to repay your loan.

Lender Requirements

  • At least $5,000 of student debt
  • Have attended a qualifying US education program
  • Be at least 18 years old
  • Have a valid Social Security number and be a legal U.S. citizen or permanent resident.

About personal loans offered in Georgia

Personal loans are unsecured loans that can be acquired completely online. These newly popular loan types are typically between $1,000 and $100,000 and can be used to fund any major purchase. Being that these loans are unsecured there is no collateral required. Theses types of loans are paid back in monthly fixed installments so you know when receiving your loan exactly how much you will pay back each month and for how long. Personal loans are also funded quickly, with some lenders even offering funding directly into your checking account as fast as same business day (this time range varies lender by lender).

What determines your personal loan rate in Georgia?

Lenders look at multiple data points when determining your eligibility for a personal loan in Georgia. Once they determine you’re eligible for a personal loan, they then undergo a process called “underwriting” this is where they determine the assessed risk of giving you a loan. Once a process that relied heavily on human interaction, underwriting can be done in a minute with little or no human interaction at all. During the underwriting process your data is pulled and compiled, some of the data lenders commonly look at includes:

    • Credit score (this is a large factor)
    • Credit History
    • Debt-to-income ratio
    • Employment
    • Alternative factors (ex. your education)

By looking at these factors, lenders are able to determine your perceived risk, which will then determine your interest rate on your personal loan.

Looking for a Georgia personal loan?

Get your personal loan journey started now, we can connect you to the best personal loan lenders in Georgia in seconds with our simple and convenient personal loan connection system. Get multiple offers from multiple lenders all without affecting your credit score.

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