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*Loan approval and actual loan terms depend on your ability to meet our standard credit criteria (including credit history, income and debts) and the availability of collateral. Loan amount is also subject to state specific maximum or minimum size restrictions. APR’s are generally higher for loans not secured by a vehicle. Maximum APR is 45%.

We make loans above the illustrative amount(s) mentioned in this advertisement, but the maximum loan size depends on your credit history, with larger loans only available to a small number of highly qualified applicants for secured loans. Must be a Georgia resident as we only offer personal loans in Georgia and personal loans in Atlanta. The rates and terms of the online installment loans we offer are based on the individual customer and the particulars of their unique financial situation and credit history. Generally, the rates and terms of our loans depend on several factors, including applicant’s credit history, employment history, and loan repayment history, as well as a number of other factors. We offer secured loans and unsecured loans. For our secured loans, we may take a security interest in some item of personal property. For our unsecured loans, all that is needed is your signature. 

Loan proceeds may be disbursed by check or Automated Clearing House (ACH) deposit. ACH disbursements can take approximately 1 to 2 business days depending on the time of loan closing.

Sample loan amount of $3,100 for a term of 36 months with a 28% APR would result in 36 equal monthly payments of $128.23. The total amount repayable would be $4,616.28 over the life of the loan. Your actual rate depends on your credit score and credit history, the loan amount, and other factors. There is never a prepayment penalty and there is no down payments required.

It is important to understand the terms of your personal installment loan. We have material available on our site that can help you understand all your credit options and things to consider before taking on a new personal loan.