Compare legal limits, fees and the true cost of small loans in your state before you talk to any lender. Compare legal limits, fees and the true cost of small loans in your state.
Banks vs Payday Loans in Valdosta, GA
26 branches of 14 FDIC-insured banks operate in Valdosta. Data: FDIC BankFind, as of June 30, 2026. There are also 8 payday, installment and title loan stores of 6 chains in Valdosta — about 3.2 bank branches for every loan store.
- Bank branches
- 26
- Payday & loan stores
- 8
- Banks
- 14
- Loan store chains
- 6
- Bank branches per 100k
- 27.2
- Loan stores per 100k
- 8.4
Payday and installment loan stores in Valdosta
Addresses and phone numbers of storefront lenders in Valdosta. These loans usually cost far more than a bank or credit union loan — compare first.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 1601 Baytree Rd A2 Valdosta, GA 31602 | (229) 247-4855 | — | 4.4 |
| 2906 N Ashley St Valdosta, GA 31602 | (229) 375-5252 | — | 4.9 |
| 3024 N Ashley St Valdosta, GA 31602 | (229) 244-9820 | — | 4.9 |
| 811 N Ashley St Ste A Valdosta, GA 31601 | (229) 219-8604 | — | 5.0 |
| 1900 Gornto Rd Ste g Valdosta, GA 31602 | (229) 247-3558 | — | 4.6 |
| 1525 Baytree Rd Ste G Valdosta, GA 31602 | (229) 242-0795 | — | 4.9 |
| 1525 Baytree Rd K Valdosta, GA 31602 | (229) 244-6671 | — | 3.7 |
| Sunbelt Credit 1835 Norman Dr Ste D Valdosta, GA 31601 | (229) 247-1300 | — | 4.9 |
Bank branches in Valdosta
| Address | Branch | Type |
|---|---|---|
| 124 W Hill Ave Valdosta, GA 31601 | Valdosta Downtown Branch | Full service |
| 1517 Baytree Rd Valdosta, GA 31602 | Valdosta Baytree Branch | Full service |
| 3102 N Oak Street Ext Valdosta, GA 31602 | Valdosta Main Branch | Full service |
|
First Federal Savings and Loan Association of Valdosta
3 branches in Valdosta
1stfederalvaldosta.com
|
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| 411 N Patterson St Valdosta, GA 31601 | First Federal Savings And Loan Association Of Valdosta Main office | Full service |
| 2728 N Oak St Valdosta, GA 31602 | 2728 North Oak Street Branch | Full service |
| 460 Norman Dr Valdosta, GA 31601 | Norman Drive Branch | Full service |
| 701 Wildwood Plantation Dr Valdosta, GA 31602 | Guardian Bank Main office | Full service |
| 1914 N Ashley St Valdosta, GA 31602 | Ashley Street Office Branch | Drive-thru |
| 246 Norman Dr Valdosta, GA 31601 | Norman Drive Office Branch | Full service |
| 2001 Baytree Rd Valdosta, GA 31602 | Valdosta Baytree Branch | Full service |
| 3030 N Patterson St Valdosta, GA 31602 | Valdosta Five Points Branch | Full service |
| 1210 Baytree Rd Valdosta, GA 31602 | Baytree Branch | Full service |
| 3261 N Valdosta Rd Valdosta, GA 31602 | Valdosta Branch | Full service |
| 3462 N Valdosta Rd Valdosta, GA 31602 | Commercial Banking Company Main office | Full service |
| 1215 Baytree Rd Valdosta, GA 31602 | Valdosta Branch | Full service |
| 1201 S Patterson St Valdosta, GA 31601 | South Valdosta Branch | Drive-thru |
| 3303 Inner Perimeter Rd Valdosta, GA 31602 | North Valdosta Branch | Full service |
| 1522 Baytree Rd Valdosta, GA 31602 | Westside Branch | Full service |
| 3650 Inner Perimeter Rd Valdosta, GA 31602 | Valdosta Branch | Full service |
| 1404 Baytree Rd Valdosta, GA 31602 | Valdosta Baytree Road Branch | Full service |
| 3500 N Valdosta Rd Valdosta, GA 31602 | North Valdosta Branch | Full service |
| 3140 Inner Perimeter Rd Valdosta, GA 31602 | Valdosta Branch | Full service |
| 3774 Old Us Hwy 41 N Valdosta, GA 31602 | Valdosta Branch | Full service |
| 2910 N Ashley St, Suite N Valdosta, GA 31602 | Valdosta Branch | Full service |
| 2611 N Patterson St Valdosta, GA 31602 | Valdosta Main Branch | Full service |
| 2901 N Ashley St Valdosta, GA 31602 | Valdosta Branch | Full service |
More about Valdosta
Bank branches as reported to the FDIC, including main offices; branch phone numbers are not published by the FDIC. Loan stores: storefront locations of major payday, installment and title lenders from lender websites and Google Maps; call ahead to confirm hours. Online-only lenders are not included.