Loans in Ware County, GA: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Ware County, GA.
The median household in Ware County earns $47,448 a year, 39% below the Georgia median of $77,353. About 22% of residents live below the federal poverty line, and 36.9% of households rent their home. 13.9% of households have no home internet; our form works on any phone.
What you need for a personal loan in Ware County
Lenders that serve Ware 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 Ware County
What Ware County borrowers use it for
cover a short gap before payday
Car repairskeep getting to work while the shop fixes it
Emergencieshandle the unexpected the same week
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
Which loans are available in Ware 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 Ware County
Banks with branches in Ware County
8 FDIC-insured bank branches from 7 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Ameris Bank | 2 | 2110 Memorial Dr, Waycross 31501 |
| First Southern Bank | 1 | 930 Memorial Dr, Waycross 31501 |
| Waycross Bank & Trust | 1 | 501 Tebeau St, Waycross 31501 |
| Truist Bank | 1 | 1807 Knight Ave, Waycross 31501 |
| PrimeSouth Bank | 1 | 530 Memorial Dr, Waycross 31501 |
| Renasant Bank | 1 | 810 Plant Ave, Waycross 31501 |
| United Community Bank | 1 | 1010 Plant Ave, Waycross 31501 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Ware County
3 credit-union locations from 3 credit unions.
| Credit union | Location |
|---|---|
| Ware County School Employees | 1301 Bailey St, Waycross 31501 |
| Georgia'S Own | 2098 Brunswick Hwy, Waycross 31503 |
| Southeastern | 1701 Boulevard Sq Ste A, Waycross 31501 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Ware County
All Georgia counties and cities
Frequently asked questions
Are payday loans legal in Ware County?
Ware County follows Georgia law. Payday loans are illegal in Georgia.
Are title loans legal in Ware 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 Ware County?
Options include 8 bank and 3 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 Ware County?
Fill out our short online form from anywhere in Ware 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 an emergency loan in Ware County?
Yes. When an unexpected bill comes up, Ware 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.
Where can I get a loan in Ware County, GA?
You can apply at banks, credit unions and lenders in Ware 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 Ware 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. Ware County residents can start any time, and it takes about 3 minutes.
Can I get a loan in Ware County with bad credit?
Yes, many lenders in our network work with Ware 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.