Best Loans for Bad Credit in Georgia: Top Lenders and Rates for 2024

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Edited byAshley Jacobs

Updated: December 28, 2023

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Best Bad-Credit Loan Lenders in Georgia

To determine our top picks for bad-credit loans in Georgia, MoneyGeek analyzed over 30 data points. These included APR ranges, loan amounts, repayment terms and fees. The minimum credit score requirement and debt-to-income ratio, which may affect your chances of receiving a loan, were also taken into account.

For your particular needs and situation, we also include some drawbacks you might want to consider, such as restrictions on fund use and fees.

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Best Overall Bad-Credit Loan in Georgia: Upstart

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Runner-Up for Best Bad-Credit Loan in Georgia: Upgrade

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What to Do if You Can’t Get a Bad-Credit Loan in Georgia

The rejection of your loan application can be discouraging, especially if it delays your dream vacation or home renovation project. Fortunately, you don't have to give up on your bad-credit loan journey just yet.

You can contact the lender to find out why your application was denied. It could be that your credit score was too low or that your income was not sufficient. If your application can be modified, you might be able to make it more acceptable. This could include reducing the loan amount or shortening the repayment period.

It is possible to look for another loan from a different lender if your lender's decision is final. To improve your loan application's chances, MoneyGeek recommends addressing the factors that led to its denial first. This will prevent you from being rejected again.

When looking for alternative loans, stay away from payday loans. In exchange for quick access to cash, you are usually charged higher interest rates and shorter repayment terms. These can hurt your financial profile.

Calculate Your Monthly Payment

When you take out a personal loan, you are borrowing money and repaying it with interest. Before applying for a loan, make sure your budget can handle your monthly payment with MoneyGeek's personal loan calculator.

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FAQs About Bad-Credit Loans in Georgia

Taking out a personal loan involves many considerations. To help you better understand Georgia's bad-credit loans, MoneyGeek has answered some commonly asked questions.

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Methodology

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METHODOLOGY

Using 35 different data points, MoneyGeek evaluated over 30 personal loan lenders based on six key factors. These include affordability, accessibility, customer service, consumer friendliness, lender transparency and flexibility.

Our selection of a personal loan lender is based on several significant data points for each category. Among these are loan amounts, APR ranges, application fees, credit score requirements, income requirements, repayment terms and disbursement times.

Since MoneyGeek values consumers, our team also evaluated each lender's business rating, customer service and additional features you might find helpful, such as loan pre-approval, mobile apps and flexible payment options.

We select our top picks based on your best interests after careful consideration. The recommendations we provide are meant to help you make the right financial decisions about finding a personal loan lender.

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The content on this page is accurate as of the posting/last updated date; however, some of the rates mentioned may have changed. We recommend visiting the lender's website for the most up-to-date information available.

Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, lender or other entity. Learn more about our editorial policies and expert editorial team.