Federal Deposit Insurance Corporation - FDIC-Insured - Backed by the full faith and credit of the U.S. Government

Routing # 061211870

Loan Payment

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Personal Banking

Personal Loans & Mortgages

At South Georgia Banking Company, we believe financing should be personal. Whether you’re buying a car, making home improvements, or purchasing a house, our local lenders are here to guide you every step of the way. With flexible terms, competitive rates, and decisions made right here in your community, we make borrowing simple and straightforward.

Looking to get started?

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Consumer Loans

From auto loans to personal expenses, we offer both installment loans and single-pay loans to fit your needs.

  • Whether you’re financing a vehicle, consolidating debt, or making a big purchase, our secured and unsecured loan options provide flexibility.
  • Local decision-making and competitive rates set us apart.
  • Ready to apply? Submit your consumer loan application today.

Home Equity Line of Credit (HELOC)

A Home Equity Line of Credit (HELOC) lets you borrow against the equity in your home, giving you flexible access to funds when you need them. HELOC provides a revolving line of credit with the freedom to borrow and repay as needed.

  • Home renovations
  • Covering unexpected expenses
  • Costs associated with major life events
  • Find out if a HELOC is right for you—contact us today.
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Lender Pay

With Lender Pay from South Georgia Banking Company, you can quickly and easily make your loan payments online—anytime, anywhere. Skip the bank trip and stay on top of your payments with just a few clicks!

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Mortgages

Buying a home is one of life’s biggest decisions, and we’re here to help. Our mortgage specialists will guide you through the process, helping you find a loan that fits your budget and goals.

  • Whether you’re a first-time homebuyer, refinancing your current mortgage, or need a construction loan, we offer personalized service from application to closing.
  • Start with one of our free prequalification kits to better understand your options and estimate what you can afford. Our team is ready to walk you through every step.
  • Get started today! Access your mortgage application here.
  • For additional homebuying resources, check out the Consumer Financial Protection Bureau’s step-by-step guide or visit your nearest South Georgia Banking Company location.

Quilo Online Loans

At South Georgia Banking Company, we provide innovative financial solutions to meet your needs. We partnered with Quilo to offer quick and convenient personal loans through a fully online platform. Whether qualified applicants use funds for a major purchase, consolidating debt, or covering unexpected expenses, Quilo makes the process seamless and efficient.

  • Fast Approval: Apply online and receive a decision in minutes.
  • Flexible Loan Options: Choose loan amounts and terms for your budget and financial goals.
  • No Hidden Fees: Enjoy transparent terms with no origination or application fees.
  • Customize Your Loan: Select the loan amount and repayment terms that work best for you.
  • Receive Funds Quickly: Upon approval, funds can be disbursed directly to your account, often on the same day.

Apply Online