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No Collateral

Personal Loans for Every Need

Start Your Application Here

Personal Loans and Unsecured Loans

Personal Loans, also known as Unsecured 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)
7.90%
Effective August 19, 2022

*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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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.
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 came to Peach State FCU for a Personal Loan. The staff was very friendly, professional and prompt. We had a great experience and would use them as our lender again.
 
- Angie T.
I was approved for a Personal Loan and able to have the honeymoon I always wanted. Peach State is more than just a place to bank; they're genuinely concerned and connected with their members. 
 
- Carolyn T.
I opened a Vacation Club Account to put away money for my son to attend camp. We were able to save up enough to send him to camp for 10 summers thanks to our account with Peach State.
 
- Kathryn S.