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

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 life calls for it.

Personal Loans

  • 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

Personal Credit Line

  • Lines from $2,500 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.

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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.