Loans in Richmond County, GA: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Richmond County, GA.
The median household in Richmond County earns $55,637 a year, 28% below the Georgia median of $77,353. About 20% of residents live below the federal poverty line, and 48.8% of households rent their home.
What you need for a personal loan in Richmond County
Lenders that serve Richmond 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 Richmond County
What Richmond County borrowers use it for
gifts and travel without maxing a card
Emergencieshandle the unexpected the same week
Medical billspay a doctor, dentist or pharmacy bill now
Car repairskeep getting to work while the shop fixes it
Loans for your situation
Which loans are available in Richmond 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 Richmond County
Banks with branches in Richmond County
36 FDIC-insured bank branches from 16 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Wells Fargo Bank, National Association | 5 | 3115 Peach Orchard Rd, Augusta 30906 |
| Truist Bank | 4 | 2815 Wrightsboro Rd, Augusta 30909 |
| Bank of America, National Association | 3 | 2820 Peach Orchard Rd, Augusta 30906 |
| SouthState Bank, National Association | 3 | 3530 Wheeler Rd, Augusta 30909 |
| Regions Bank | 3 | 2509 Ga Highway 88, Hephzibah 30815 |
| Queensborough National Bank & Trust Company | 3 | 2550 Tobacco Rd, Hephzibah 30815 |
| JPMorgan Chase Bank, National Association | 3 | 2805 Washington Rd, Augusta 30909 |
| The Huntington National Bank | 2 | 3527 Wheeler Rd, Augusta 30909 |
| Security Federal Bank | 2 | 1607 Walton Way, Augusta 30904 |
| Vallant Bank | 2 | 1602 Walton Way, Augusta 30904 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Richmond County
13 credit-union locations from 7 credit unions.
| Credit union | Location |
|---|---|
| Peach State | 2048 Tobacco Rd, Augusta 30906 |
| United Neighborhood | 1434 Poplar St, Augusta 30901 |
| Navy Federal Credit Union | 263 Robert C Daniel Jr Pkwy # A, Augusta 30909 |
| Pentagon | 201 3Rd Ave Bldg 38200, Fort Gordon 30905 |
| Georgia'S Own | 1424 Walton Way, Augusta 30901 |
| Srp | 1007 Broad St, Augusta 30901 |
| Associated Credit Union | 3749 Wheeler Rd, Augusta 30909 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Richmond County
All Georgia counties and cities
Frequently asked questions
Are payday loans legal in Richmond County?
Richmond County follows Georgia law. Payday loans are illegal in Georgia.
Are title loans legal in Richmond 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 Richmond County?
Options include 36 bank and 13 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 Richmond County?
Fill out our short online form from anywhere in Richmond 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 Richmond 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. Richmond County residents can start any time, and it takes about 3 minutes.
Where can I get a loan in Richmond County, GA?
You can apply at banks, credit unions and lenders in Richmond 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 an emergency loan in Richmond County?
Yes. When an unexpected bill comes up, Richmond 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.
Can I get a loan in Richmond County with bad credit?
Yes, many lenders in our network work with Richmond 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.