Personal loans in Carrollton, GA
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Carrollton, GA.
The median household in Carrollton earns $54,379 a year, 30% below the Georgia median of $77,353. About 25% of residents live below the federal poverty line, and 59.0% of households rent their home.
Georgia law that applies in Carrollton
| Rate cap | Installment Loan Act loans ($3,000 or less): interest up to 10% a year of the face amount of the contract (add-on), plus a loan fee and a $3 monthly maintenance charge. |
|---|---|
| License required | Yes for loans of $3,000 or less. |
| Loan sizes covered | $3,000 or less, for a term of up to 36 months and 15 days. |
Full rules with statute citations: Personal Loans in Georgia. Cities in Georgia cannot set their own payday or title loan rate caps in most cases; zoning rules for storefronts are local.
What you need for a personal loan in Carrollton
Here's what to have on hand before you start your personal loan request in Carrollton:
- 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 Carrollton
What Carrollton borrowers use it for
pay a doctor, dentist or pharmacy bill now
Moving costsdeposits, trucks and first-week expenses
Holiday expensesgifts and travel without maxing a card
Emergencieshandle the unexpected the same week
Loans for your situation
How to get a personal loan in Carrollton
- Choose an amount from $100 to $5,000 and complete one form.
- Lenders in our network review your request; many accept fair or bad credit.
- Compare the APR, monthly payment and total cost on any offer.
- If you accept, money is usually deposited in 1–2 business days.
Estimate your cost
Personal / installment loan calculator
Estimate only. Your rate depends on your credit, income and state; your lender shows the exact terms before you sign.
Banks and credit unions in the area
Banks with branches in Carrollton
11 FDIC-insured bank branches from 10 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Bank OZK | 2 | 100 Tom Reeves Dr, Carrollton 30117 |
| Pinnacle Bank | 1 | 810 S Park St, Carrollton 30117 |
| Regions Bank | 1 | 777 S Park St, Carrollton 30117 |
| United Community Bank | 1 | 119 Maple St, Carrollton 30117 |
| Bank of America, National Association | 1 | 600 Maple St, Carrollton 30117 |
| Truist Bank | 1 | 1371 S Park St, Carrollton 30117 |
| Wells Fargo Bank, National Association | 1 | 848 Bankhead Why, Carrollton 30117 |
| SouthState Bank, National Association | 1 | 820 Dixie St, Carrollton 30117 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Carrollton
2 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Associated Credit Union | 1219 N Park St, Carrollton 30117 |
| Credit Union 1 | 1200 S Park St, Carrollton 30117 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Carroll County · Title Loans in Carrollton
Frequently asked questions
Can I get a personal loan with bad credit in Carrollton?
Possibly. Lenders in our network consider applicants with fair and bad credit across Georgia, including Carrollton. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Carrollton, GA?
Loans $3,000 or less need an installment lender license; above $3,000, any written rate.
How fast can I get a personal loan in Carrollton?
Many online lenders give a decision within minutes and deposit funds in one to two business days after you sign. Your bank's processing time can add a day.
What is an installment loan?
An installment loan is money you borrow and repay in fixed, scheduled payments, usually every two weeks or monthly, until it's paid off. Personal loans, auto loans and many short-term loans are installment loans. Because repayment is spread out, each payment is smaller than a lump sum. Lenders in our network offer installment loans from $100 to $5,000 to Carrollton borrowers who qualify.
How can I get an emergency loan in Carrollton?
Unexpected bills happen, and an online emergency loan can help you handle them quickly. Fill out our 3-minute form with your income and bank details, and lenders in our network will review your request. Many make decisions within minutes, and approved funds are often deposited by the next business day. Amounts range from $100 to $5,000, and you're never obligated to accept an offer.
Can I get an emergency loan with bad credit in Carrollton?
Yes, many emergency loan lenders consider borrowers with bad credit. They often put more weight on your current income and ability to repay than on past credit problems. Approval isn't guaranteed, but applying through our network lets you reach multiple lenders with a single request instead of applying again and again. Carrollton residents can see if they qualify in about 3 minutes.
How long does it take to get a personal loan in Carrollton?
With online lenders, the process is usually fast. Our form takes about 3 minutes, many lenders make a decision within minutes, and approved funds are often deposited by the next business day. Some lenders may ask for documents such as pay stubs, which can add a little time. Having your information ready before you start helps you get money sooner in Carrollton.
Can I get a personal loan with a 500 credit score?
It may be possible. A score around 500 limits options with traditional banks, but some online lenders consider low scores when you have steady income and an active bank account. Offers may be for smaller amounts, and approval isn't guaranteed. The quickest way to find out is to submit one request through our network and see whether lenders respond with an offer. It takes about 3 minutes.
Do I need to visit a store in Carrollton?
No. You can request offers online from a phone or computer. Some lenders, especially title lenders, may ask you to visit a location or send photos of your vehicle.