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Loans

There are times in life where you need a little help. A lift or a bridge to get where you want. Loans can be a part of getting you where you want to go. Georgia’s Own Credit Union and i[x] have created a number of cool new loans designed specifically for i[x] members. Take a look at these and call us to help get you started with your goals.

First Time Home Buyer**
Buying your first home should be an exciting experience, not a dreaded one. Stress less and let Georgia’s Own and the First Time Home Buyer loan help!

Designer Loan**
The Designer Loan*** is an open end revolving credit loan that can be used for any purpose-elective surgery, dentist bills, medical bills, furniture- just to name a few. And, the interest rate on Georgia’s Own Designer Loan is much lower than the interest rate you might pay at other lenders. Just check them out. Other lenders have rates as high as 21% while the Designer Loan rate is as low as 11.99% APR*. Establishing your Designer Loan is easy. Just click on loan applications and choose Designer Loan from the list of loans available. Even if you’re not ready to borrow money now, you’ll want to establish your Designer Loan, so that it’s there when you need it!

The Big Day Loan**
We all have ‘em, use it for yours. Whether it’s your wedding day or the makeover you’ve always wanted, The Big Day Loan from Georgia’s Own Credit Union is an open end revolving credit loan with low interest rates. So don’t wait! Start planning for your big day today!

Honeymoon Loan**
We’ve created this loan specifically for those people who want the honeymoon of their dreams to become a reality. It’s simple, just set up the loan, and begin planning for your romantic getaway. Another idea: some people don’t need the silverware, shower curtains, and dishes. If that sounds like you, set up a honeymoon loan, and instead of traditional wedding gifts, ask all of your friends to give you the money that they would’ve spent on you to help you pay off the loan. We should’ve thought of this before!

Jet-Set Loan**
Headed to Cabo for spring break, France for two weeks? Whatever the occasion, use our Jet-Set Loan to help you get there.

Start-up Loan**
Getting started can be tough. With the start-up loan from Georgia’s Own, getting your books for the semester, paying first month’s rent or coming up with the money for a deposit will no longer be a problem. And later, when you sell your books back or are given your deposit back, you can use that money to directly pay off the loan!

To get your loan started visit Georgia’s Own. You can make a request online or come into a branch for more information.

* Your Annual Percentage Rate and Daily Periodic Rate may vary according to your creditworthiness. Please ask a Loan Officer for details on how your rate is determined. Click here for the most up to date rates.
**i[x] members who are at least 16 years of age can make a request for a VISA credit card or other loan, such as a car loan or student loan, provided a parent is a joint applicant; those 18 and older, who earn an income, can make a request for an individual credit card or loan.
***Your minimum monthly payment after each advance on a Line of Credit is 3% of the outstanding balance ($25 minimum). On a Designer Loan, your minimum monthly payment after each advance is 2.5% of the outstanding balance ($25 minimum).