Best Personal Loans in Atlanta, GA

Georgia United Credit Union is the best personal loan lender in Atlanta, Georgia, receiving a MoneyGeek score of 96 out of 100. It stands out with a solid reputation. It is federally insured by the NCUA, providing a layer of security for borrowers. Another advantage is its BBB rating of A, which reflects its reliability and trustworthiness. However, borrowers should also consider that membership is needed to apply, which might limit accessibility for some. Additionally, its website lacks clear specifics on loan details, making it harder for applicants to fully understand their options upfront.

Laurel Road is recognized as the best online lender for personal loans in Atlanta, Georgia, with a MoneyGeek score of 93 out of 100. It offers a range of personal loans from $5,000 to $45,000 and repayment terms between 36 to 60 months. For borrowers considering Laurel Road, two points to note are its offer of a 0.25% autopay discount and the absence of origination fees, which can decrease the overall loan cost. However, borrowers should be mindful of its high minimum loan amount which could be more than what some people need, and the possibility of incurring a late fee of 5% or $28, which could add to the debt if a payment is missed.

Delta Community Credit Union ranks as the runner-up for the best personal loans in Atlanta, Georgia, with a MoneyGeek score of 94 out of 100. It stands out due to its federal insurance by the NCUA, offering peace of mind to borrowers regarding the safety of their funds. Additionally, it's recognized with an A+ rating from the Better Business Bureau (BBB), reflecting strong customer satisfaction. However, potential borrowers should be mindful that it does not allow prequalification, which can make evaluating loan options a bit more challenging. Furthermore, it charges a $25 late fee, reinforcing the need to stay on top of payment schedules.

Credit Union of Atlanta stands out as a suitable choice for personal loans in Atlanta, Georgia, with a MoneyGeek score of 93 out of 100. It is federally insured by the NCUA, providing an added sense of security for borrowers. Additionally, its APR starts as low as 8%, making it a competitive option for those seeking low-interest loans. However, borrowers should consider that the borrowing limit is capped at $25,000, which may not suffice for larger financial needs. Another aspect to keep in mind is its $25 loan processing fee, which could add to the overall cost of the loan.

Another good choice for personal loans in Atlanta, Georgia, is Georgia's Own Credit Union, which holds a MoneyGeek score of 92 out of 100. Borrowers might like that it is federally insured by the NCUA and has a BBB rating of A+. However, they should note the borrowing limit is $50,000 and there is no mention of rate discounts on its website.