Personal loans in Georgia

Consumer lending in Georgia is regulated by the Georgia Department of Banking & Finance. Below are the sourced rules that affect what a lender can charge you, followed by the cities we cover.

Lending rules in Georgia

Payday lending	Permitted and regulated — maximum loan amount: Prohibited.Source: National Conference of State Legislatures · as of 2023
Small-loan / installment licensing	Consumer lenders must obtain a state license (Yes). Statutory basis: Ga. Code Ann. §§ 7-3-1 et seq. Licensing administered through NMLS: Yes.Source: Conference of State Bank Supervisors · as of 2026
Interest rate cap (usury limit)	Usury limit: 7% for agreements not finalized in writing; parties may establish any interest rate via a written agreement for amounts between $3,000 – $250,000; 16% for loans of $3,000 or less (O.C.G.A. 7-4-2). Finance rates and fees for licensed lenders: 10% per annum interest IN ADDITION TO a loan fee not to exceed 8% of the first $600 plus 4% of the remainder. CSBS 50-state survey of consumer finance laws; state-verified usury catalog.Source: Conference of State Bank Supervisors · as of 2026
Consumer lending regulator	Consumer lenders in Georgia are licensed and supervised by the Georgia Department of Banking & Finance.Source: Conference of State Bank Supervisors · as of 2026
Debt collection rules	Third-party debt collectors must comply with the federal Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. § 1692 et seq.; state consumer-protection and debt-collection enforcement is handled by the Georgia Department of Law, Office of the Attorney General. The FDCPA expressly authorizes state attorneys general to enforce it (15 U.S.C. § 1692l). Some states also require collection agencies to be licensed.Source: Georgia Department of Law, Office of the Attorney General · as of 2026
Military lending protections	The federal Military Lending Act (MLA) caps the Military Annual Percentage Rate (MAPR) at 36% for consumer credit extended to active-duty service members, their spouses and certain dependents, and bars mandatory arbitration and prepayment penalties on covered loans. Federal protection that applies nationwide, including in this state.Source: Consumer Financial Protection Bureau · as of 2024
Complaint / licensing lookup	Check whether a lender holds a state license through NMLS Consumer Access (nmlsconsumeraccess.org) or the Georgia Department of Banking & Finance; consumers can file complaints with the Georgia Department of Banking & Finance or the CFPB at consumerfinance.gov/complaint.Source: Nationwide Multistate Licensing System (NMLS) Consumer Access · as of 2026

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Cities in Georgia

Atlanta Augusta Savannah Columbus Warner Robins Macon Athens Gainesville Sandy Springs South Fulton Roswell Dalton Albany Johns Creek Valdosta Rome Alpharetta Marietta Stonecrest Smyrna Brookhaven Dunwoody Peachtree Corners Mableton Newnan Milton Evans East Point Peachtree City Tucker Hinesville Douglasville Woodstock Martinez Kennesaw Redan Statesboro Canton Duluth LaGrange Lawrenceville Chamblee McDonough Stockbridge Carrollton Union City Pooler Sugar Hill Decatur Griffin Candler-McAfee Cartersville Acworth Suwanee Snellville Perry Forest Park Thomasville Fayetteville Kingsland St. Marys North Druid Hills Winder Norcross Milledgeville Tifton Conyers Calhoun Villa Rica Buford Powder Springs North Decatur Fairburn Americus Dublin Richmond Hill St. Simons Lithia Springs Holly Springs Grovetown Wilmington Island Riverdale Brunswick Monroe Moultrie Belvedere Park Clarkston Lilburn Bainbridge Covington College Park Waycross Loganville Dallas Braselton Vinings Jefferson Mountain Park Georgetown Douglas Rincon Vidalia Doraville Scottdale Port Wentworth Cordele Garden City Lovejoy Fort Oglethorpe Cairo Cedartown Jesup Thomaston Cusseta Country Club Estates Fort Stewart Flowery Branch Panthersville Toccoa Fitzgerald Fair Oaks Skidaway Island Bemiss Fort Valley Locust Grove Druid Hills Gresham Park Austell Hampton Irondale Dock Junction Centerville Tyrone Swainsboro Auburn Commerce Bremen Whitemarsh Island Conley LaFayette Thomson Cumming Dacula Stone Mountain Morrow Hapeville Dahlonega Barnesville Eatonton McRae-Helena Sandersville Fairview Waynesboro Fairfield Plantation Sylvester Eastman Byron Adel Jackson Blakely Camilla Temple Cochran Baxley Lindale Social Circle Nashville Montgomery Senoia Adairsville Oakwood Palmetto Chatsworth Hiram Lakeview Rockmart Elberton Buckhead Cornelia Jonesboro Grayson Hartwell Madison Summerville Dawson Forsyth Folkston Euharlee Lyons Ashburn Hawkinsville Quitman Jasper Hazlehurst Rossville Metter Hephzibah Glennville West Point Bonanza Washington Baldwin Walthourville Chattanooga Valley Heron Bay Ocilla Manchester Kennesaw State University Dawsonville Harlem Greensboro Pelham Hannahs Mill Blackshear Avondale Estates Cleveland Alma Ringgold Leesburg Gray Wrightsville Hardwick Hahira Hogansville Cuthbert Tallapoosa Putney Montezuma Grantville Nicholls Tybee Island Vienna Lake City Chattahoochee Hills Millen Unadilla Chickamauga East Dublin Lakeview Estates Springfield Watkinsville Soperton Bloomingdale Lakeland Lula Donalsonville Abbeville Kings Bay Base Reed Creek Statham Henderson Lavonia Bowdon Hoschton Raoul Sylvania Trion Royston Lithonia Claxton Thunderbolt Louisville Monticello Berkeley Lake Pembroke Demorest Midway Ball Ground Reidsville Isle of Hope Mount Zion Sparks Wrens Gumlog Davisboro Guyton Mount Vernon Experiment Deenwood Varnell Warrenton Buena Vista Clayton Homerville Trenton Sparta Butler Colquitt Morgan Wadley Ludowici Oxford Pearson Shannon Hamilton Gordon Ellijay Indian Springs Berry College Porterdale Sterling Winterville Nicholson Twin City Unionville Emerson Lincolnton Cataula McCaysville Russell Maysville Comer Lookout Mountain Ellaville Union Point Walnut Grove Pine Mountain Clarkesville Aragon Arcade Moody AFB Bogart Resaca Mount Airy Robins AFB Lumber City Darien Homer Tennille Brooklet Willacoochee Zebulon East Griffin Pendergrass Tunnel Hill Fairplay Sunnyside Crawford Oglethorpe Homeland Alto Remerton Alamo Hagan Sycamore Omega Dutch Island Buchanan Ivey Enigma Roberta Boston Nahunta Greenville Eton Jekyll Island Fairmount Carnesville Blue Ridge Canon Woodbine Richland Dasher Edison Young Harris Marshallville Talahi Island Ellerslie Glenwood Norman Park Rutledge Ray City Tignall Phillipsburg Arlington Clermont Broxton Franklin Dexter Flemington Lake Park Mountain City Rochelle

Personal loans in Georgia

Lending rules in Georgia

Calculate your loan

Cities in Georgia

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