Loans in Union County, GA: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Union County, GA.
The median household in Union County earns $66,176 a year, 14% below the Georgia median of $77,353. About 11% of residents live below the federal poverty line, and 15.6% of households rent their home.
What you need for a personal loan in Union County
Here's what to have on hand before you start your personal loan request in Union County:
- 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 Union County
What Union County borrowers use it for
keep getting to work while the shop fixes it
Medical billspay a doctor, dentist or pharmacy bill now
Moving costsdeposits, trucks and first-week expenses
Holiday expensesgifts and travel without maxing a card
Loans for your situation
Which loans are available in Union 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 Union County
Banks with branches in Union County
6 FDIC-insured bank branches from 5 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| United Community Bank | 2 | 149 Bracketts Way, Blairsville 30512 |
| Bank OZK | 1 | 271 Highway 515 W, Blairsville 30512 |
| SouthState Bank, National Association | 1 | 458 Highway 515 E, Blairsville 30512 |
| Vallant Bank | 1 | 361 Blue Ridge St, Blairsville 30512 |
| River City Bank | 1 | 206 Highway 515 E, Blairsville 30512 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Union County. The nearest counties with credit unions:
Credit unions in Towns County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Peach State | 693 Main St, Young Harris 30582 |
Source: NCUA credit union branch data, June 30, 2026.
Credit unions in Fannin County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Copper Basin | 85 Orvin Lance Dr, Blue Ridge 30513 |
Source: NCUA credit union branch data, June 30, 2026.
All Georgia counties and cities
Frequently asked questions
Are payday loans legal in Union County?
Union County follows Georgia law. Payday loans are illegal in Georgia.
Are title loans legal in Union 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 Union County?
Options include 6 bank 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 Union County?
Fill out our short online form from anywhere in Union 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 apply for a loan online in Union County?
Yes. You don't need to visit a branch or storefront anywhere in Union 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 a loan in Union 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. Union County residents can start any time, and it takes about 3 minutes.
Where can I get a loan in Union County, GA?
You can apply at banks, credit unions and lenders in Union 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 Union County with bad credit?
Yes, many lenders in our network work with Union 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.