Personal Loans

Personal Loans

Personal loans imply they're for you, but they also describe how we handle lending—personally. Whatever your need—whether it be to finance a vacation or cover holiday expenses, to finance a computer, or for nearly anything else—our expert staff works with you to customize a unique plan.

This commitment also extends to us working hard to secure you the lowest possible rates. And we always personally handle your loans right here in Southwest Atlanta for an expedited turnaround.

  • Competitively low rates
  • Flexible terms and payment plans
  • Financing for a number of personal needs
  • Experienced loan advisors whose focus is on you
  • Local decision-making and processing for a quicker turnaround
  • Customized service to your unique situation
Payment Protection

It's important to us at Credit Union of Atlanta to provide peace of mind to our members. That's why we offer Payment Protection credit life and credit disability insurance through CUNA Mutual Group, which includes the following features:

  • Credit Disability makes a member's payment to the credit union should they become unable to work due to an illness or an accident.
  • Credit Life pays off the member's outstanding loan balance should the member die during the term of the loan.
  • Credit Life "At Work Clause" – If a member is a homemaker, retiree, or student, they are eligible for Credit Life Insurance*
  • Statement of Insurability – If an eligible member requests insurance within 30 days after the loan advance, they will be eligible for coverage if they provide a satisfactory Statement of Insurability to CUNA Mutual.
  • Expiration of Insurance:
  • On the date of death
  • On the date the loan is transferred to another creditor
  • On the date the loan stops
  • On the last day of the month the credit union is notified by the member to terminate insurance
  • When the member reaches the maximum age
  • Or the last day of the month in which the loan is three months past due
  • *Eligibility occurs only if they are performing all of the usual duties of a homemaker, retiree, or student in the normal manner on the date of the initial advance and are not receiving disability benefits from any source.

Learn more about pricing information and a breakdown of all the benefits included with Payment Protection.

Phoenix Loan on the Go

For a quick and easy way to finance short-term needs, our six-month Loan on the Go is designed to fit your lifestyle with no credit check. Must meet direct deposit requirements for this flexible way to borrow emergency cash. No credit check necessary.

  • No credit check necessary
  • 6-month terms with rates as low as 18% APR* *(APR = Annual Percentage Rate. Approval and rate based on creditworthiness.)
  • $25 application fee
  • Must have a direct deposit or payroll deduction of $500 for eight months consecutively
  • No bankruptcy filed or discharged in the last 12 months.