Personal Loans

The Southern offers both secured and unsecured personal loans. Personal loans can be used for many purposes including, but not limited to:

• Home improvements/repair • Vehicle repair
• Paying off higher interest loans • Re-establish credit
• Consolidation debt • Medical
• Educational funding • Christmas
• Vacation • Back to school
• Taxes • Help Family

Secured Loans 

Receive a lower interest rate by using funds in your Southern savings account. Secured loan types include:Share Secured – secured by your Certificate of Deposit.  Apply Online For A Loan Or Credit Card

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 ‘Secure Forms’ menu. Click here and log onto online banking to fill out an online loan application.

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 one of our Southern Branch locations. No appointment is necessary. Our member service representatives can walk you through the application, or fill out the application in advance for faster service.