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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.

Best Overall Bad-Credit Loan in Georgia: Upstart

  • Upstart

    • 3.22% to 35.99%APR Range
    • 300Minimum Credit Score
    • $1,000 to $50,000Loan Amount Range
    • 36 to 60 monthsRepayment Terms
    • Next DayTime to Receive Funds


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

  • Upgrade

    • 5.94% to 35.47%APR Range
    • 560Minimum Credit Score
    • $1,000 to $50,000Loan Amount Range
    • 36 to 60 monthsRepayment Terms
    • Same DayTime to Receive Funds


How to Choose the Best Bad-Credit Loan in Georgia for You

There are many uses for personal loans, including debt consolidation, home improvements, major purchases and emergency costs. In Georgia, the average personal loan debt is $17,869.

You are eligible for a loan based on a variety of factors, one of which is your credit score. Although finding a lender can be more difficult if you have bad credit, it isn't impossible. MoneyGeek outlined the steps for choosing the right bad-credit lender in Georgia.


Ask Yourself the Important Questions

Ask yourself these questions before you shop for a bad-credit loan in Georgia to make sure it's the right decision for your needs:

  • How much money do you need? You can determine which lender meets your funding needs by knowing how much money you need.
  • What’s your credit score? The credit score of a borrower is a major factor in determining whether your loan application will be approved or denied. Make sure your chosen lender will accept your score before applying.
  • Can you afford the monthly payments? Find out how much you can afford to pay back each month based on your current financial situation.
  • Do you have existing debts? If you can’t afford to pay another loan, there may be no point in adding another debt unless it's to consolidate at a lower rate.
  • Is your debt manageable through other means? When managing debt or financing a major expense, it's important to explore other options. A personal line of credit or balance transfer card are examples of these products.

Do Your Research

Before narrowing your options and finding the right personal loan for your needs, research multiple lenders thoroughly. In MoneyGeek's guide, we provide the best lenders for bad-credit borrowers in Georgia. However, we provide recommendations based on the average borrower's situation. These suggestions might not be appropriate for you.

Be sure to consider the loan amount, interest rate and repayment period offered by each lender when researching. The minimum credit requirement and fund usage restrictions should also be noted.


Read the Fine Print

When researching lenders, it's easy to overlook small details. You should read and understand the fine print if you want a personal loan. Pay attention to whether your lender charges late fees, fees for early repayment or fees for loan processing, all of which impact the loan's cost. In addition, ask if the lender offers discounts for setting up automatic payments. Saving money in the long run can be achieved by reviewing the fine print.



You may feel tempted to submit an application immediately after deciding on a lender. However, you should wait a day or two before making your final decision. Taking some time to think before making a decision can help you avoid regretting it later. It is a huge commitment to take out a personal loan, so don't rush into it. Don't apply until you're 100% sure it's the right decision for you financially.



You can submit your loan application once you have covered all your bases. Your chosen lender will require you to prepare all the necessary documents. Proof of identity, address verification and income verification are typically required. To prevent delays in loan approval, make sure your application contains accurate information.

In some instances, lenders allow applicants to apply online, saving them time and eliminating the need to stand in line. Even so, if the option is available, you shouldn't hesitate to contact or visit your lender.

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.



+ $114.98


+ $8.33

Origination Fee Percentage


Origination Fee Fixed amount


Total monthly payment


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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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.


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.