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    Interest Rates on Personal Loans in Georgia

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    Interest Rates on Personal Loans in Georgia

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    Personal loans are unsecured loans offered in Georgia that can be used for any major purchase you need to cover. Popular uses of personal loans are debt consolidation, home renovation, medical expenses, and many others. The interest rates of personal loans are typically 5.99% up to 36.99%.

    What is the average personal loan interest rates in Georgia?

    The rate you receive on a personal loan is determined by several factors. The main factor that goes into deciding the APR of your personal loan is your credit score. Look at the list below, as you can tell the better your credit score, the lower the interest and the more money you can borrow.

    Average Credit ScoreAverage Interest RateAverage Amount Funded
    720+7.25%$ 18,793

    680-719

    		11.12%$ 15,622

    660-679

    		17.08%$ 11,782

    640-659

    		23.56%$ 10,015

    620-639

    		31.16%$ 7,806

    580-619

    		58.28%$ 6,324

    560-579

    		107.13%$ 4,921

    Less than 560

    		136.50%$ 3,549

    From the information above we can conclude that getting a personal loan in Georgia with reasonable interest rates while having a credit score under 580 is difficult.

    Get You Personal Loan Rates in Georgia Now

    LenderAPR RangeAvailable TermsMin Loan AmountMax Loan Amount
    Marcus By Goldman Sachs logo

    6.99% - 19.99%

    Estimated APR

    3 to 6 Years

    Available Terms

    $3,500

    Min Loan Amount

    $40,000

    Max Loan Amount    		 Check my Rate

    Rate Range*

    6.99% - 19.99%

    Loan Terms*

    3 to 6 Years

    $3,500 up to $40,000

    Loan Amount Range*

    About Marcus By Goldman Sachs Personal Loans

    Marcus by Goldman Sachs offers industry-leading personal loans.

    Loan Features

    Loan Amount

    Marcus By Goldman Sachs offers Personal Loans with a minimum loan amount of $3,500 and a maximum loan amount of $40,000.

    Loan Term

    Marcus By Goldman Sachs offers Personal Loans terms ranging from 3 to 6 Years.

    Good For

    This loan would be ideal for Good credit individuals who want a personal loan from an industry leader.

    Features and Benefits

    • No Fees. Ever. We don't deduct a sign-up fee from your loan amount.
    • Tailored monthly payment options designed to fit your budget.
    • Marcus is backed by Goldman Sachs' 150 years of financial expertise.

    Lender Requirements

    • Be at least 18 years old (19 in Alabama and 21 in Mississippi and Puerto Rico)
    • Proof of employment, loan purpose, income and creditworthiness.
    • Valid U.S. bank account and Social Security number or Individual Tax ID Number.

    Marcus By Goldman Sachs® Offer Terms and Conditions

    Your loan terms are not guaranteed and are subject to our verification of your identity and credit information. To obtain a loan, you must submit additional documentation including an application that may affect your credit score. The availability of a loan offer and the terms of your actual offer will vary due to a number of factors, including your loan purpose and our evaluation of your creditworthiness. Rates will vary based on many factors, such as your creditworthiness (for example, credit score and credit history) and the length of your loan (for example, rates for 36 month loans are generally lower than rates for 72 month loans Your maximum loan amount may vary depending on your loan purpose, income and creditworthiness. Your verifiable income must support your ability to repay your loan. Marcus by Goldman Sachs is a brand of Goldman Sachs Bank USA and all loans are issued by Goldman Sachs Bank USA, Salt Lake City Branch. Applications are subject to additional terms and conditions.

    Income Disclosure

    List your total available income including wages, retirement, investments, and rental properties. You are not required to disclose income that is alimony, child support or separate maintenance unless you want to use that income to qualify for a loan. If applicable, include self-employment salary. For total commission earnings, provide an annual average. Increase non-taxable income/benefits by 25%.

    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

    Rate Range*

    5.99% - 24.99%

    Loan Terms*

    2 to 5 Years

    $5,000 up to $35,000

    Loan Amount Range*

    About Payoff Personal Loan & Debt Consolidations

    Payoff loans are tailored for debt consolidation with low rates, they offer flexible payment schedules as well as financial guidance. Payoff offers fixed-rate debt consolidation loans to made specifically to pay off credit card debt. On average, Payoffs customers get these loans to cover their debt of $18,000.

    Loan Features

    Loan Amount

    Payoff offers Personal Loan & Debt Consolidations with a minimum loan amount of $5,000 and a maximum loan amount of $35,000.

    Loan Term

    Payoff offers Personal Loan & Debt Consolidations terms ranging from 2 to 5 Years.

    Good For

    This loan would be ideal for Anyone overwhelmed by debt with fair to excellent credit that wants to consolidate all their credit card debt into one fixed monthly payment..

    Features and Benefits

    • Soft Credit Check
    • Loans funded in 3 to 7 days
    • Origination Fees: 0% - 5.00%
    • Consolidate your credit card debt
    • No late fees

    Lender Requirements

    • A minimum credit score of 640
    • A debt-to-income ratio of 50 percent or less
    • At least three years of good credit history
    • Minimum Annual Income: $40,000
    • Minimum Credit History: 2 Years
    • At least two open lines of credit in which you’ve made on-time payments
    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

    Rate Range*

    6.95% - 35.99%

    Loan Terms*

    3 to 5 Years

    $2,000 up to $40,000

    Loan Amount Range*

    About Prosper Personal Loans

    Applying for a personal loan the traditional way can be daunting. Through Prosper, you can apply for a low-interest loan from the comfort of your home.

    Loan Features

    Loan Amount

    Prosper offers Personal Loans with a minimum loan amount of $2,000 and a maximum loan amount of $40,000.

    Loan Term

    Prosper offers Personal Loans terms ranging from 3 to 5 Years.

    Good For

    This loan would be ideal for Individuals with good credit who want to get a loan from and industry leader..

    Features and Benefits

    • Soft Credit Check
    • Loans Funded Quickly
    • Fast Funding
    • No Prepayment Penalty
    • Peer to Peer lending

    Lender Requirements

    • Be at least 18 years old
    • Have good credit (usually 640+) their average borrower has a credit of 717.
    • Minimum credit history of 2 years
    • Maximum debt to income ratio: 50% (excluding mortgage)
    • Have a checking account in your name

    What Interest Rates Can I Expect to Get in Georgia?

    As stated above your interest rate a personal loan heavily depends on your credit score. The better your credit score more you can borrow at a interest rate. Personal loans are a great source of financing but you must be aware to avoid scammers when receiving a personal loan. If you receive a personal loan with an exceptionally large interest rate you could be caught in a circle of debt it may be difficult to get out of. Keeping this in mind, all the lenders on GAloan are all reputable industry leading lenders.

    To calcuate your rates feel free to use our personal loan calculator.

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    Dave is an MBA who specializes in all things personal loans and business funding. Dave began studying and writing about online financial services in 2016 as an undergrad and has written articles on all things financial services.

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    **Your rates, amounts, & conditions vary depending on the lender.

    **Personal loans from partners have rates spanning from 5.99% to 35.99% + applicable fees. Personal loan repayment durations range from 2 to 8 years (24 to 84 months). We receive payment from our partners. *How a personal loan works: A $7,000 loan with an origination fee of 5% and an amount financed of $6,650, repayable in 36 monthly installments, with an APR of 16.74% would carry monthly payments of $164.