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Personal Loans

There are times when borrowing is a necessity.  Georgia Bank & Trust offers a broad range of loan solutions customized to provide each customer with financial flexibility such as Personal Lines of Credit, Home Equity Lines, Mortgages and a variety of other personal solutions.  Our lending professionals are local, understand our community and have the authority to make decisions.  Below are samples of the types of loans we offer with terms that are tailored to fit your unique circumstances.

  • Automobile Loans
  • Construction Loans
  • Home Improvement
  • MasterCard®/VISA®
  • Real Estate Loans
  • Stocks/Bond Loans
  • Boat Loans
  • Home Equity Lines of Credit
  • Loans Secured by CDs
  • Personal Lines of Credit
  • Second Mortgage Loans
  • Unsecured Loans

Personal Lines of Credit

Personal lines of credit allow you to choose when you access funds from your available line and how much you use.  By simply writing a check, you can:

  • Make purchases
  • Consolidate other borrowings
  • Make deposits to your checking account 
  • Pay for an event like a wedding or a special vacation

If you like the idea of having a pre-approved reserve of available funds, a personal line of credit may be the solution for you.

Home Equity Lines of Credit (HELOC)

A HELOC is one of the smartest tools for managing one of your largest assets — your home.  A Georgia Bank & Trust HELOC is flexible enough to be used for whatever you need, whenever you want, simply by writing a check.  It's another great way to pay for major purchases, educational expenses, home improvements, consolidate debt and much more.

The HELOC offers:

  • Flexible repayment terms
  • No closing costs
  • No annual fee
  • No initial minimum draw 

And because your HELOC is secured by the equity in your home, the rate is normally lower than most other forms of borrowing, and the interest you pay may be tax-deductible.  (Consult your tax advisor for interest deductibility.)


Georgia Bank & Trust offers a complete array of mortgage solutions.  We offer traditional fixed rate loans, interest-only options, as well as solutions providing 100% financing — all at very competitive rates.  A Mortgage Loan Officer will help you understand what alternatives are available, as well as recommend the solution most beneficial to your circumstances. For further information on how to apply for Home Improvement or Mortgage Loans, call (706) 739-1780.

Get Prequalified! Click here to start your mortgage application process online!


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