Personal Loans And Lines of Credit

Ready to take a big trip? Make home repairs? Or do you want to be prepared for an unexpected expense? A personal line of credit or personal loan from Ameris Bank provides the flexibility and convenience you need to finance all of the above.

  • Competitive interest rates

  • Flexible loan amounts

  • No collateral required

  • Easy application process

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Everything you need to know

At Ameris Bank, you can choose a traditional personal loan where you get all the money at once or gain access to a personal line of credit so you can tap into the funds anytime during the term of your loan.

Personal Loans

  • Loan with competitive interest rates1

  • You identify the amount, and no collateral is required

  • No prepayment penalties

  • Quick and easy process, giving you access to funds in one day or less

  • Make convenient payments through digital services like Online Banking or Mobile Banking

Personal Credit Line

  • Lines from $3,000 to $10,0001

  • Use funds at any time, in any amount within your approved limit

  • Easy access to funds at branches and through Online and Mobile Banking

  • No collateral necessary

  • No penalty for prepayment

  • Unsecured and cash- secured credit lines available


Easy Application Process​

  1. Gather all the necessary documents: This includes your driver's license and personal income information.2
  2. Apply in Branch: Visit your nearest Ameris Bank branch. One of our bankers will be happy to assist you in the application process.

  3. Application Done: A local Ameris Bank representative will give you a call in one business day or less on the status of your loan.

1 All loans and lines of credit are subject to credit approval.

2 Supporting documents may be required and gathered by an Ameris Bank representative, if needed.

Ameris Bank is a full-service financial institution serving customers in the Southeast and Mid-Atlantic, with locations in Alabama, Florida, Georgia, Maryland, North Carolina, South Carolina, Tennessee and Virginia.