Money for What You Need, Terms You Can Count On
Courtesy Finance offers personal installment loans that allow you to borrow a lump sum of money and repay it over time in monthly payments. Courtesy Finance’s personal loans typically have fixed interest, clear terms, quick funding, and predictable payments. A personal installment loan can be used for almost anything.
- Fixed interest rate and fixed monthly payment for the life of your loan.
- No hidden fees, no penalty for paying off early.
- Use the money for whatever you need.
- Need more money later? Existing customers may be able to refinance for additional money.
Personal Loans at a Glance
Courtesy Finance offers personal installment loans from $500 to $20,000 for a variety of personal financial needs. Personal loans can be used for debt consolidation, home improvements, unexpected expenses, major purchases, vacations, and other personal needs.
Courtesy Finance offers fixed interest rates and fixed monthly payments, helping customers budget for their monthly payment. Customers can start an application online, by phone, or by visiting a local branch and speaking with a Courtesy Finance employee.
Courtesy Finance serves customers through local branches in Georgia and Tennessee and takes a personal approach to loan applications, considering factors beyond credit score when evaluating an application.
Who Can Apply for a Personal Loan?
Personal loan eligibility depends on the applicant’s financial circumstances and Courtesy Finance’s credit criteria. Courtesy Finance considers factors including credit history, income, expenses, and the availability and value of collateral when reviewing loan applications.
Having less-than-perfect credit does not necessarily prevent you from applying. Courtesy Finance takes a personal approach to each application and considers more than just credit score when evaluating a customer’s situation.
Not all applicants will qualify for a loan. Loan approval and terms depend on the applicant’s ability to meet Courtesy Finance’s credit criteria.
How Does a Courtesy Finance Personal Loan Work?
Getting started with a personal loan from Courtesy Finance is simple:
1
Start Your Application
Apply online, call Courtesy Finance, or visit a local branch to begin your application.
2
Provide Your Information
Courtesy Finance gathers the financial, employment, and personal information needed to evaluate your application.
3
Discuss Your Loan Options
A local Courtesy Finance employee can review your situation, answer questions, and discuss available loan options.
4
Review Your Loan Terms
If approved, review the applicable loan amount, interest rate, repayment term, monthly payment, and other loan terms before completing the process.
5
Receive Your Funds
Once your loan is approved and the required documents are completed, you can receive your funds according to the applicable funding process. Courtesy Finance states that eligible customers may receive funds as soon as the same day.
Personal loan for what you need
Personal and auto loans from $500 to $20,000.
Auto loans
Whether you’re buying a vehicle, want to refinance an existing loan, or use the equity of your car to get some extra money, we will work with you to find a personal loan that meets your automotive needs.
Debt consolidation loans
Simplify life and save money by consolidating debt into a personal loan with fixed interest rates and monthly payments that will not change.
Vacation loans
A personal loan can be used to help pay for nearly any travel-related expense. You can use money from a vacation loan for items such as hotels, gas, plane tickets, activities, or dining.
Major purchase
Need help with tuition or new appliance? Meet with a local employee to discuss how Courtesy Finance can find a personal loan that works for you.
Home improvement loan
Our personal loan application process is fast and doesn’t require a home inspection. Whether you need a new roof or want to remodel your kitchen, a personal loan can give you quick access to money for your home project.
Unexpected expenses
Sometimes, unexpected expenses like car repairs or medical bills can’t wait. Courtesy Finance’s personal loans help customers manage unexpected expenses by getting them money fast.
Why Choose Courtesy Finance for a Personal Loan?
Local, Personal Service
Courtesy Finance provides customers with the opportunity to work one-on-one with a real person at a local branch. Local employees can help customers understand their loan options and complete the application process.
Flexible Credit Criteria
Courtesy Finance looks beyond credit score when evaluating loan applications and considers each customer's individual financial circumstances.
Fixed Monthly Payments
Courtesy Finance personal loans have fixed interest rates and fixed monthly payments, providing customers with a predictable repayment structure.
Multiple Ways to Apply
Customers can apply online, by phone, or in person at a local Courtesy Finance branch.
Established Local Presence
Courtesy Finance serves customers through branch locations across Georgia and Tennessee, combining online convenience with local, personal service.
Borrowers welcome
Find out why borrowers trust Courtesy Finance.
I highly recommend Courtesy to anyone looking for reliable and trustworthy support with their loan needs.
Learn More About Personal Loans
Explore these Courtesy Finance resources to learn more about personal loans and related financial topics:
What Is an Installment Loan?
Learn how installment loans work, including how payments, terms, and interest fit together.
Getting a Personal Loan from a Local Lender
Discover the benefits of working with a local lender for your personal loan needs.
The Benefits of Debt Consolidation
Find out how debt consolidation can help simplify payments and support your financial goals.
Revolving Credit vs. Personal Installment Loans
Compare revolving credit and personal installment loans to understand which may be right for you.
Building a Better Credit Report
Get practical tips on how to build and maintain a stronger credit report over time.
Personal Loan Calculator
Use our calculator to see how different loan terms and payments can fit into your budget.
Frequently asked questions
What can I use a Courtesy Finance personal loan for?
Personal loans can be used for nearly any purpose — debt consolidation, auto purchases, home improvements, medical or emergency expenses, tuition, or planned purchases like a vacation.
Is a Courtesy Finance personal loan secured or unsecured?
Courtesy Finance personal loans are secured loans. For larger loan amounts, or depending on your credit history, a first lien on a motor vehicle title may help you qualify.
What credit score do I need to qualify?
We look at more than your credit score, including income and repayment history, so applicants with limited or past credit challenges are still considered.
Can I apply with a co-signer?
Yes, a co-signer can strengthen your application in some cases. Talk to your local branch about whether a co-signer makes sense.
How long do I have to repay my loan?
Loans typically have a term between 8 and 36 months. Larger loans may have a longer term, and the exact term is based on the loan amount and underwriting criteria.
Are there any fees for paying off my loan early?
There is no prepayment penalty if you pay your loan off early.
Will the interest rate on my loan change?
Every Courtesy Finance loan has a fixed interest rate that will not change during the term of the loan.
How fast will I receive my money after I'm approved?
If required verification documents are provided in a timely manner, loans approved by 2:00 PM can receive funds the same day.
Can I get additional money if I already have an existing loan?
Yes, we frequently help existing customers apply for additional money. Since your branch team already knows your loan history, the process is often quicker than starting from scratch. If you need additional money, you can start your application online or give your local branch a call to talk through your options.
How is a personal loan different from a credit card for something like debt consolidation?
Our personal loans have a fixed interest rate, fixed monthly payment, and will be paid off at the end of the term if you make timely payments. Credit cards typically have a variable interest rate, a payment that can change from month-to-month, and no set term. Here is a full comparison.
