Holiday Loan Special!

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Take Advantage of 2% off our Normal Personal Loan Rates!

Holiday Loan Special

Brighten spirits with 2% off our normal Personal Loan rates for a term up to 12 months.¹ Make it a season to sparkle with this holiday loan special!

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Personal Loans

Personal Loans can be an affordable way to pay for big events or special travel plans, and might even alleviate stress caused by unforeseen circumstances.

Low-Cost We offer competitive Personal Loan rates and flexible terms. View Rates
Affordable Avoid stress with an affordable monthly payment.
Local Decisions Can provide you with fast access to cash when you really need it.
Made for You Use a Personal Loan for travel, big events, or unexpected expenses.

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Personal Loan Calculator

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Personal Loan Calculator

Find your perfect payment! Try a few different rates and terms to see what works for your budget and then email the results to yourself.

Terms available up to 48 months. Your actual term and payment will be provided upon acceptance of a Peach State FCU loan. This calculator is for informational purposes only and its use does not guarantee an extension of credit.

Affordable Personal Loans
Use the rate table below to calculate what your monthly payment might look like. When you're ready, start your application.

Local Decision Making
Our team will keep the application process straightforward, and you'll feel comfortable working with our friendly and knowledgeable lending professionals.

Personal Loan Rates

With low rates on Personal Loans, the cash you need is more affordable than ever! Use the Personal Loan Calculator above to see what your payment could be with our low rates.

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*APR – Annual Percentage Rate. Rate and payment will vary based on individual creditworthiness, term and/or qualifications. Must qualify for Peach State membership and loan. Subject to credit approval. Term of up to 48 months; estimated monthly payment of $24.14 per $1,000.00 borrowed for a term of 48 months at 7.4%. A $15 loan application fee is charged for processing. Rates, terms and conditions subject to change without notice.

Personal Loan Rates

Personal Loan Term

APR* (as low as)

Personal Loan Term

Up to 60 Months

APR* (as low as)

9.90%

Effective June 21, 2023

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Personal Loans to Fit Your Needs

Whether you're looking to plan your next big adventure or you're facing an unexpected expense, our affordable Personal Loans offer a responsible way to manage your financial needs.

Handle financial emergencies in a responsible manner.
Make memories with a special event or dream vacation.
Cover college expenses to further your education.

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3 Free Templates!

Budgeting Templates

Stay in control of your finances! These budgeting templates make it easy to stay on top of your monthly spending and create good habits.

Fillable online
Calculates in real-time
Easy to use and understand

Testimonial

Share Your Story

Their member service is good and they work with you and educate you about their different products. I was really in a bind and they helped me get a loan.

- Joseline M.

My loan officer went above and beyond to help me. She made sure that I was going to be able to purchase my car.

- Paula A.

I’ve been a member of peach state for a number of years and have always gotten good member service and loans that are great for my budget and financial needs.

- Kenneth J.

Frequently Asked Questions

These are a few of the commonly asked questions about Personal Loans.

For even more FAQs, check out our Member Knowledge Base.

There are three ways to apply for a loan.
To apply for a loan, you can apply online, call 770.580.6000, or visit a branch.

Do I have to be a member to get a loan at Peach State?

Yes, membership with Peach State is required to qualify for a loan with us. Once you become a member, you’ll have a Savings Account opened in your name, which signifies your ownership stake in the credit union.

Can I close my loan remotely?

Yes, Peach State offers DocuSign closings for many of our loans. Check with your loan processor to see if your loan qualifies for a remote closing.