Consumer Loans

Loans, Rates & ApplicationsLoans, Rates & Applications

You Always Get the Most for Your Money

The Southern offers  loans for almost any reason. Our competitive rates and flexible terms equal savings for you.

All of our loans are simple interest loans, and that’s an important consideration. With a simple interest loan you can easily reduce the amount of interest paid over the life of the loan by paying more than the scheduled payment or by paying the loan off ahead of schedule. If you decide to pay off the loan early, there’s no pre-payment penalty.

Apply for a Loan

Apply Online For A Loan Or Credit Card
When you apply online using The Southern Online Banking, the process is secure, convenient and fast. Simply log on by entering your user name and password. Once you have logged on, you can find the online loan application under the ‘Service Center Tab’ at the top of the screen.

Apply Online For A Mortgage Loan
Apply online today for a mortgage or to refinance. We have made it easier to apply. Click here to apply online for a mortgage.

Apply On The Phone
Our agents are available to take your application over the phone.  Dial 770.719.1111 press #4 to apply now.

Apply In Person
You can apply in person at any Southern Branch location. No appointment is necessary. Our member service representatives can walk you through the application, or fill out the application in advance for faster service. Click here for an application.

Other Loans To Meet Your Needs

Auto Loans
Our new auto loan rates are extremely attractive and our used auto loan rates are just tough to beat. Our goal is not to get you a loan and get you out – it is to get you a loan with a great rate and terms that are right for you and your budget.
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Personal Loans
Our personal loans give you the opportunity to get a loan for any reason. Need a new refrigerator or dishwasher? Need to make car repairs or want to fix-up an old classic? Consolidating bills, holiday gifts, remodeling – whatever it may be, the Credit Union can get you up to $10,000 with up to five years to pay it back.
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R-V Loans 
Whether you want to hit the road or glide on the water, we can help you get a loan for any of your outdoor pleasures – campers, motorcycles, motor homes, boats, jet skis, etc.
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Musical Instr. Loans
Whether your child is in the school band or you desire the sound of a grand piano in your home, we can help you get the instrument your looking for.
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Fast Cash
A personal line of credit that provides the convenience of readily available funds and an automatic source of overdraft protection for your checking account. With lines of credit available up to $15,000, you can write yourself a check when you need it without having to reapply for a new loan each time. You choose when to use the funds and for what purpose.
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Computer Loans
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Vacation Loans

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Christmas Loans
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Airplane Loans
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Tractor Loans
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Savings-Secured Loans
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Stock-Secured Loans
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The Southern Credit Union offers disability and life insurance on all of our loan products.