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Loans & Mortgages


South Georgia Banking Company handles both installment and single pay loans for consumers. We are very competitive on used vehicle financing, secured and unsecured consumer loans. Local lenders, local decisions and flexible terms set us apart from other lenders. Give us a chance to earn your business. 

To access an editable PDF loan application that you can fill out on your screen, print, and bring to the bank, click the following links for business loan application* (Opens in a new Window) (Opens in a new Window) or consumer loan application* (Opens in a new Window) (Opens in a new Window).


A HELOC, or Home Equity Line of Credit, is a revolving credit that allows you to borrow money using equity in your home as collateral.


Our mortgage specialists navigate customers through the loan process step-by-step. If you are considering purchasing a home or refinancing your existing home, your first stop should be to pick up one of our free prequalification kits. The tools in the kit help you understand the steps of mortgage loans. Mortgage specialists will work with you to find what mortgage payment will fit best in your personal budget and what type of loan best suits you.

For additional information in preparing to buy a home, read the Consumer Financial Protection Bureau’s step-by-step guide* or pick up a copy at your nearest South Georgia Banking Company location.

Get started today!

Access an editable PDF mortgage application* that you can fill out on your screen, print, and bring to the bank.  When you have a co-borrower(s) on your loan application, please have the co-borrower(s) use the additional form here*.  If you need additional space to complete your application, please use the Continuation Sheet found here. Instructions to help you complete these forms can be found here.

Take a look at a list of our Mortgage Loan Originators and their NMLS numbers.*

* This file is in Portable Document Format (PDF). You will need to have Adobe Acrobat Reader installed on your computer to open it. Download Adobe Acrobat Reader now for free. (Opens in a new Window) (Opens in a new Window)

*Loans, lines of credit and credit cards are subject to credit approval.