Loans in Chatham County, GA: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Chatham County, GA.
The median household in Chatham County earns $71,097 a year, 8% below the Georgia median of $77,353. About 14% of residents live below the federal poverty line, and 43.2% of households rent their home.
What you need for a personal loan in Chatham County
Lenders that serve Chatham County typically ask for the following:
- Be 18 or older and a US resident
- Your Social Security number for identity verification
- A steady source of income
- An active checking account in your name
- A working phone number and email address
Popular loan amounts in Chatham County
What Chatham County borrowers use it for
cover a short gap before payday
Holiday expensesgifts and travel without maxing a card
Emergencieshandle the unexpected the same week
Medical billspay a doctor, dentist or pharmacy bill now
Loans for your situation
Which loans are available in Chatham County
Payday Loans Not available
Payday loans are illegal in Georgia.
Personal Loans
Loans $3,000 or less need an installment lender license; above $3,000, any written rate.
Title Loans Legal
Car title loans in Georgia are made as 'title pawns' under the state's pawnshop law, not under a consumer loan law.
Banks and credit unions in Chatham County
Banks with branches in Chatham County
66 FDIC-insured bank branches from 20 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Wells Fargo Bank, National Association | 10 | 136 Bull St, Savannah 31401 |
| Truist Bank | 9 | 33 Bull St, Savannah 31401 |
| Bank of America, National Association | 7 | 7802 Abercorn St, Savannah 31406 |
| Ameris Bank | 5 | 120 Drayton St, Savannah 31401 |
| The Huntington National Bank | 5 | 111 Barnard St, Savannah 31401 |
| SouthState Bank, National Association | 4 | 25 Bull St, Savannah 31401 |
| United Community Bank | 3 | 27 Bull St, Savannah 31401 |
| Pinnacle Bank | 3 | 330 Mall Blvd, Savannah 31406 |
| Queensborough National Bank & Trust Company | 3 | 7393 Hodgson Memorial Dr, Savannah 31406 |
| JPMorgan Chase Bank, National Association | 3 | 35 Meeting St, Savannah 31411 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Chatham County
25 credit-union locations from 14 credit unions.
| Credit union | Location |
|---|---|
| Geovista | 133 Haley Ave, Savannah 31409 |
| Savannah Schools | 4673 Us Highway 80 E, Savannah 31410 |
| Mercy | 11806 Mcauley Dr, Savannah 31419 |
| Navy Federal Credit Union | 7921 Abercorn St, Savannah 31406 |
| Vystar | 477 Johnny Mercer Blvd, Savannah 31410 |
| Georgia'S Own | 401 Mall Blvd Ste 101A, Savannah 31406 |
| Center Parc | 5698 Ogeechee Rd # A, Savannah 31405 |
| Southern Energy | 3101 Kilowatt Dr, Savannah 31405 |
| Membersfirst | 5007 Paulsen St, Savannah 31405 |
| Core | 100 W Oglethorpe Ave, Savannah 31401 |
| Georgia Heritage | 200 Stephenson Ave Ste 100, Savannah 31405 |
| Savannah Postal | 22 Oglethorpe Professional Blvd, Savannah 31406 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Chatham County
All Georgia counties and cities
Frequently asked questions
Are payday loans legal in Chatham County?
Chatham County follows Georgia law. Payday loans are illegal in Georgia.
Are title loans legal in Chatham County?
Car title loans in Georgia are made as 'title pawns' under the state's pawnshop law, not under a consumer loan law.
Where can I get a small loan in Chatham County?
Options include 66 bank and 25 credit-union locations in the county, licensed installment lenders, and online lenders you can reach through our short form in about 3 minutes.
How do I get a loan in Chatham County?
Fill out our short online form from anywhere in Chatham County. We share it with lenders in our network that serve Georgia; if one approves you, you review the terms and the money is deposited to your bank account, often the next business day.
Where can I get a loan in Chatham County, GA?
You can apply at banks, credit unions and lenders in Chatham County, or apply online from anywhere in the county. Online requests are often the quickest way to reach several lenders at once. Our free form sends a single request to lenders in our network that serve Georgia residents, and many give a decision within minutes. It takes about 3 minutes to see if you qualify.
Can I get a loan in Chatham County with bad credit?
Yes, many lenders in our network work with Chatham County residents who have fair, poor or limited credit. They look at your income and ability to repay, not just your score, and some use alternative credit data instead of a traditional hard pull. Approval isn't guaranteed, but checking is free and takes about 3 minutes. Loan amounts range from $100 to $5,000.
Can I get a loan in Chatham County on the weekend?
You can submit our online form any day, including weekends and holidays, and some lenders review requests right away. Deposits depend on banking days, so funds requested on a Saturday or Sunday typically arrive the next business day. Submitting early helps you get the first available deposit. Chatham County residents can start any time, and it takes about 3 minutes.
Can I apply for a loan online in Chatham County?
Yes. You don't need to visit a branch or storefront anywhere in Chatham County. Our secure online form works on your phone or computer, takes about 3 minutes, and connects you with lenders in our network that serve Georgia. If you're approved and accept an offer, funds go directly to your bank account, often by the next business day.