Personal loans in Rome, GA
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Rome, GA.
The median household in Rome earns $54,435 a year, 30% below the Georgia median of $77,353. About 21% of residents live below the federal poverty line, and 50.8% of households rent their home.
Georgia law that applies in Rome
| 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 Rome
Most Rome 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 Rome
What Rome borrowers use it for
deposits, trucks and first-week expenses
Car repairskeep getting to work while the shop fixes it
Rent duecover a short gap before payday
Need money nowthe fastest options online
Loans for your situation
How to get a personal loan in Rome
- 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 Rome
14 FDIC-insured bank branches from 9 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| First National Community Bank | 3 | 501 Broad St, Rome 30161 |
| Truist Bank | 2 | 100 E 2nd Ave, Rome 30161 |
| United Community Bank | 2 | 307 E 2nd Ave, Rome 30161 |
| Regions Bank | 2 | 400 Turner Mccall Blvd Sw, Rome 30165 |
| Pinnacle Bank | 1 | 701 Broad St, Rome 30161 |
| Wells Fargo Bank, National Association | 1 | 2 Redmond Rd Nw, Rome 30165 |
| Bank OZK | 1 | 42 Three Rivers Dr Ne, Rome 30161 |
| River City Bank | 1 | 228 N 2nd Ave Sw, Rome 30165 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Rome
9 credit-union locations from 7 credit unions.
| Credit union | Location |
|---|---|
| Credit Union 1 | 906 N Broad St Se, Rome 30161 |
| Lge Community | 1490 Martha Berry Blvd Ne, Rome 30165 |
| Center Parc | 3040 Martha Berry Hwy Ne, Rome 30165 |
| Family Savings | 2510 Redmond Cir Nw, Rome 30165 |
| Coosa Valley | 2010 Redmond Cir Nw, Rome 30165 |
| Rome Kraft Employees | 4620 Alabama Hwy Nw, Rome 30165 |
| Beka | 301 Darlington Dr Sw, Rome 30161 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Floyd County · Title Loans in Rome
Frequently asked questions
Can I get a personal loan with bad credit in Rome?
Possibly. Lenders in our network consider applicants with fair and bad credit across Georgia, including Rome. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Rome, 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 Rome?
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 Rome?
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 an emergency loan with bad credit in Rome?
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. Rome residents can see if they qualify in about 3 minutes.
Can I get a personal loan in Rome 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. Rome residents can see if they qualify for $100 to $5,000 in about 3 minutes.
How do installment loans work in Rome?
You apply, the lender reviews your income and credit profile, and if you're approved you receive a lump sum deposited into your bank account. You then repay it in equal scheduled payments over an agreed term, with interest built in. Your agreement shows each payment amount and date before you sign. Rome residents can see installment loan offers with our free 3-minute form.
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 Rome?
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.