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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 for all of the above.

  • Competitive interest rates

  • Flexible loan amounts

  • No collateral required

  • Easy application process

Financing that fits your life

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.
A personal loan from Ameris Bank allows you to borrow a fixed amount of money and repay what you borrow, plus a competitive fixed interest rate, over a set period. The loan can be used for various purposes, such as large purchases, debt consolidation, home improvements, or unexpected expenses. Personal loans do not require any collateral, which makes them accessible if you don't own property or other assets.
  • Loan with competitive, fixed 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 online banking or mobile banking
A personal credit line from Ameris Bank provides ongoing access to funds that you can use to cover expenses, make purchases, or fill cash flow gaps. Unlike a personal loan, where you receive a lump sum upfront, a credit line allows you to borrow funds as needed, up to your approved limit. This gives you the freedom to manage your cash flow effectively. You can choose either an unsecured or cash-secured credit line.
  • Lines from $3,000 to $10,0001
  • Loan with competitive, variable interest rates1
  • 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

Whether you apply for a personal loan or personal line of credit from Ameris Bank, the process is as easy as 1-2-3.

Gather all the necessary documents:
This includes your driver's license and personal income information.2

Apply in Branch:
 Visit your nearest Ameris Bank branch. One of our bankers will be happy to assist you in the application process.

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


We're here to help every step of the way.

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

2Supporting 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.