Loans in Floyd County, GA: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Floyd County, GA.
The median household in Floyd County earns $65,565 a year, 15% below the Georgia median of $77,353. About 16% of residents live below the federal poverty line, and 36.4% of households rent their home.
What you need for a personal loan in Floyd County
Most Floyd County applicants can finish in one sitting if they have these ready:
- 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 Floyd County
What Floyd County borrowers use it for
handle the unexpected the same week
Moving costsdeposits, trucks and first-week expenses
Medical billspay a doctor, dentist or pharmacy bill now
Need money nowthe fastest options online
Loans for your situation
Which loans are available in Floyd 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 Floyd County
Banks with branches in Floyd County
14 FDIC-insured bank branches from 9 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| First National Community Bank | 3 | 501 Broad St, Rome 30161 |
| Truist Bank | 2 | 100 E 2nd Ave, Rome 30161 |
| United Community Bank | 2 | 307 E 2nd Ave, Rome 30161 |
| Regions Bank | 2 | 400 Turner Mccall Blvd Sw, Rome 30165 |
| Pinnacle Bank | 1 | 701 Broad St, Rome 30161 |
| Wells Fargo Bank, National Association | 1 | 2 Redmond Rd Nw, Rome 30165 |
| Bank OZK | 1 | 42 Three Rivers Dr Ne, Rome 30161 |
| River City Bank | 1 | 228 N 2nd Ave Sw, Rome 30165 |
| FirstBank | 1 | 338 W 3rd St Sw, Rome 30165 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Floyd County
9 credit-union locations from 7 credit unions.
| Credit union | Location |
|---|---|
| Credit Union 1 | 906 N Broad St Se, Rome 30161 |
| Lge Community | 1490 Martha Berry Blvd Ne, Rome 30165 |
| Center Parc | 3040 Martha Berry Hwy Ne, Rome 30165 |
| Family Savings | 2510 Redmond Cir Nw, Rome 30165 |
| Coosa Valley | 2010 Redmond Cir Nw, Rome 30165 |
| Rome Kraft Employees | 4620 Alabama Hwy Nw, Rome 30165 |
| Beka | 301 Darlington Dr Sw, Rome 30161 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Floyd County
All Georgia counties and cities
Frequently asked questions
Are payday loans legal in Floyd County?
Floyd County follows Georgia law. Payday loans are illegal in Georgia.
Are title loans legal in Floyd 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 Floyd County?
Options include 14 bank and 9 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 Floyd County?
Fill out our short online form from anywhere in Floyd 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.
Can I get a loan in Floyd 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. Floyd County residents can start any time, and it takes about 3 minutes.
Can I get a loan in Floyd County with bad credit?
Yes, many lenders in our network work with Floyd 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 apply for a loan online in Floyd County?
Yes. You don't need to visit a branch or storefront anywhere in Floyd 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.
Can I get an emergency loan in Floyd County?
Yes. When an unexpected bill comes up, Floyd County residents can request an emergency loan online at any time of day. Our 3-minute form reaches multiple lenders in our network, many decide within minutes, and approved funds are often deposited by the next business day. All credit types are considered, and there's no cost or obligation to see your options.