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Home State Regulations

Payday Loan Laws in Georgia

Loan Term:
Loan Amount:$3,000 min
Fees and Finance Charges:
Laws:Georgia has its own usury laws, which determine the legality of loans. Loans under $3000 that violate these usury laws are strictly prohibited. Lenders are allowed to charge 16% APR's if loans are transmitted directly to borrowers, and if the lending agency will hold 50% of the interest revenues made from the loan. Georgia does permit lending companies operating under the laws of other states but with branches in Georgia to charge more than a 16% APR. For more information, consult Georgia Code Ann. 16-17-1 to 16-17-10