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Mortgage Loans
We've Got The Key To Your Dreams . . .
When considering your next Home Loan, whether it is to Purchase, Refinance,
or obtain Cash-Out to consolidate some bills, come shop with us first.
West Central Georgia Bank offers a wide variety of Home Mortgage products
with different terms at competitive rates.
- Conventional 10, 15, 20, and 30 Year Fixed Rates with low down payments.
- In-House 3 and 5 Year Adjustable Rates.
- Construction Loans
- Home Equity Lines of Credit
- Home Improvement Loans
Please stop by any of our branches, email us,
or call us at 706-647-8951 for more details.
Personal Loans
When the time comes to borrow money, let our friendly loan officers listen
and respond with a solution to fit your budget and your needs. We offer
an array of loans with competitive rates.
- Automobile loans
- Boat loans
- Loans secured by certificates of deposit
- Land Purchases
- Debt Consolidation
- Vacation loans
For more information email or visit us today.
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Business Loans
West Central Georgia Bank offers loans with competitive
rates and terms for all things a business will need to get started or continue
to grow. Let our loan officers help you structure a loan that is right for
your business.
- Real estate purchase
- Inventory, equipment purchases
- Floor Plans
- Business expansion
For more information, email
or visit us today.
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Student Loans
West Central Georgia Bank, a participant in the Edamerica TEAM program,
provides access to low cost student loans. Because tuition costs have been
rising faster than the rate of inflation, family incomes have not been able
to keep pace. Through the TEAM program, West Central Georgia Bank can assist
in exploring grants and scholarships, as well as the loans associated with
the Federal Family Educational Loan Program. These loans include the Stafford
Subsidized Loan for students who demonstrate financial need; the Stafford
Unsubsidized Loan designed for middle and upper income families who cannot
qualify for the Subsidized Stafford Loan; the Federal PLUS (Parent Loan
for Undergraduate Students) loan available to parents of students; and the
Federal Consolidation Loan which allows the combining of student loans into
a single loan. Our goal at West Central Georgia Bank is to help today’s
students become tomorrow’s leaders. We believe educational loans are an
essential service to our community.
As an Edamerica TEAM lender, information brochures can be obtained at any
West Central Georgia Bank location. Visit us for more information on this
student loan program, or visit the Edamerica site below.

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