Georgia Payday Loan

Payday loans are not allowed in the state of Georgia. Please refer to the Georgia Department of Law Consumer Protection Unit if you have been treated unfairly by a lender or debt collector.

In Georgia a lender operating within the state may not charge more than 10% interest on loans under $3,000. Online lenders or lenders outside of Georgia may not follow this limit. Please carefully review any loan offer carefully before accepting it. You can start by reading the Advice for Consumers we’ve prepared before applying for or accepting any new loan.

Georgia Laws Pertaining To Payday Lending
By law payday loans are prohibited in the state of Georgia. Lenders in this state must possess a license to deposit checks into someone's account and the state sets a minimum fee for cashing a post-dated check.


Georgia Payday Loan - Cities


Georgia Cash Advance Loans
The state motto of Georgia is: “Wisdom, Justice and Moderation..”

The regulation of the cash advance lending industry falls mainly to the individual states. These short-term lending institutions are balance atop an active and rocky legal terrain. Lobbyists are working around the clock on both sides of the legal issue- on one hand the cash advance lending industry wants to make sure you have access to much needed emergency cash and on the other hand opponents are fervently working to try to end the availability of short-term loans under the guise of consumer protection.