Personal loans in Cartersville, GA
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Cartersville, GA.
The median household in Cartersville earns $84,437 a year, 9% above the Georgia median of $77,353. About 12% of residents live below the federal poverty line, and 40.8% of households rent their home.
Georgia law that applies in Cartersville
| 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 Cartersville
Most Cartersville 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 Cartersville
What Cartersville borrowers use it for
cover a short gap before payday
Holiday expensesgifts and travel without maxing a card
Car repairskeep getting to work while the shop fixes it
Emergencieshandle the unexpected the same week
Loans for your situation
How to get a personal loan in Cartersville
- 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 Cartersville
14 FDIC-insured bank branches from 12 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Ameris Bank | 2 | 301 E Church St, Cartersville 30120 |
| Bank OZK | 2 | 950 Joe Frank Harris Pkwy Se, Cartersville 30120 |
| FirstBank | 1 | 215 E Main St, Cartersville 30120 |
| Truist Bank | 1 | 515 E Main St, Cartersville 30121 |
| Bank of America, National Association | 1 | 829 Joe Frank Harris Pkwy Se, Cartersville 30120 |
| Renasant Bank | 1 | 880 Joe Frank Harris Pkwy Se, Cartersville 30120 |
| Wells Fargo Bank, National Association | 1 | 499 E Main St, Cartersville 30121 |
| United Community Bank | 1 | 1320 Joe Frank Harris Pkwy Se, Cartersville 30120 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Cartersville
7 credit-union locations from 5 credit unions.
| Credit union | Location |
|---|---|
| Georgia United | 134 E Felton Rd, Cartersville 30120 |
| Together | 100 Busch Dr Ne, Cartersville 30121 |
| Lge Community | 105 W Main St, Cartersville 30120 |
| Family Savings | 205 Douthit Ferry Rd, Cartersville 30120 |
| Coosa Valley | 1149 N Tennessee St, Cartersville 30120 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Bartow County · Title Loans in Cartersville
Frequently asked questions
Can I get a personal loan with bad credit in Cartersville?
Possibly. Lenders in our network consider applicants with fair and bad credit across Georgia, including Cartersville. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Cartersville, 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 Cartersville?
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.
How do I apply for a personal loan with bad credit in Cartersville?
Start by gathering your ID, proof of income and bank account details. Then complete our online form with accurate information about your income and the amount you need. Lenders in our network review your request, and many respond within minutes. Asking for an amount that fits your income can improve your chances. If you're approved, you'll review the full terms before signing.
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.
Can I get a personal loan in Cartersville with bad credit?
Yes, it's possible. Many lenders in our network work with borrowers who have fair, poor or limited credit, and they look at factors like income and employment, not just your score. Approval and rates depend on your full profile, and nothing is guaranteed, but checking your options is free. Cartersville residents can see if they qualify for $100 to $5,000 in about 3 minutes.
How can I get an emergency loan in Cartersville?
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.
Where can I find a loan for bad credit in Cartersville?
You can apply at local banks and lenders in Cartersville, or go online to reach more lenders at once. Banks often have stricter credit requirements, while many online lenders consider all credit types. Our free form sends one request to multiple lenders in our network, so you don't have to apply one by one. Many applicants get a decision within minutes.
Do I need to visit a store in Cartersville?
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.