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A Personal Loan Just Right for You!

Start Your Application Here

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.

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

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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.

*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

*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.

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NEED MONEY FAST?

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.
Three  Practical Budget Templates

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

We took out a loan to renovate the home that we have lived in for 35 years. Thank you to Peach State for helping to make our dreams come true!
 
- Marvin P.
Great member service! Very knowledgeable on products!
 
- Elonda D.
Loan officer was very professional and knowledgeable. During her lunch time, she made me feel like I was her only member.
 
- Susan H.
 

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.
Member Knowledge Base