Lending

Altamaha Bank and Trust Company offers a variety of Consumer and Business Loans. For specific information regarding the Loans we offer, please contact a Loan Officer at one of our convenient locations.

We look forward to seeing you soon!

Installment Loans

We offer installment loans to finance the purchase of most anything - cars, boats, motorcycles, ATVs, etc.

Typically these loans carry a fixed interest rate and will be repaid over a specific time frame. However, we do offer variable interest rates as well as balloon notes.

Come see or call one of our loan officers to inquire about current loan rates and terms for your next loan.

Please use our loan/personal Calculators to estimate your monthly payments so you can better plan your finances.

Personal Loans

We offer these typically smaller loans that our customers use for any purpose. They can be secured or unsecured, depending on the borrower and their circumstances. They can be structured as monthly repayment or single maturity.

Come see or call one of our loan officers to inquire about current loan rates and terms for your next loan.

And please use our loan/personal Calculator to estimate your monthly payments so you can better plan your finances.

Lines of Credit

We offer lines of credit (LOC) that can be used for flexibility in financing your business needs. They can be open-ended or closed-ended, secured or unsecured, fixed rate or variable rate, all depending on the borrower and their purpose for the loan proceeds.

We offer home equity lines of credit (HELOC) secured by real estate and in essence represent a mortgage on the property held as collateral.

Come see or call one of our loan officers to inquire about current loan rates and terms for your next line of credit.

Mortgages/Real Estate Loans

We offer real estate loans for building or buying a home; we offer construction loans and bridge loans to meet these needs.

We also make loans to purchase land or rental property, or to potentially "unlock" the equity in real estate already owned.

Email or call one of our loan officers to inquire about current loan rates and terms for your next line of credit.

Please use our loan/personal Calculator and/or our mortgage/personal Calculators to estimate your monthly payments so you can better plan your finances.

Commercial/Business Loans

We offer business loans to finance expansions, acquisitions, operating capital, equipment purchases, etc.

We know that businesses have a wide range of needs that arise from time to time, sometimes unexpectedly, and we're here to help!

Our goal is to help you and your business succeed by structuring your financing appropriately. Just as no two people are alike, no two businesses are the same either. With this in mind, we try to customize your business financing to fit your business whenever possible.

Come by to see one of our experienced loan officers to inquire about rates and terms next time you need a loan - but be prepared, you'll probably be asked a few questions before we suggest a financing solution, because the more we know about your business, the better able we are to make appropriate recommendations to meet your financing needs.

For your convenience, we have a couple of loan calculators to help you plan your next loan - a loan/personal Calculator and a mortgage/personal Calculator.

We look forward to seeing you soon!

Quick Connect

Altamaha Bank & Trust
206 Jackson Street, P.O. Box 489
Vidalia, GA 30475

Phone: (912) 537-1921
Fax: (912) 537-4426
Lost/Stolen Card Hotline: 800-500-1044

Member FDIC