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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

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.


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


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.