Personal Loans in Georgia

Georgia personal loan disclosures

What you should know about Georgia personal loans

  • Typical Personal Loan Amounts: Loans greater $1,000 depending on the issuing lending institution.
  • Maximum Interest Rate: The maximum interest rate for personal loans in Georgia is 16.0% for loans less than $3,000 and 5.0% up to $250,000. For certain personal loans, interest rates exceed the maximum rate. These exemptions may include, but are not limited to, loans involving investments, retail installment contracts, commercial loans, and other categories of personal loans. In addition, other exemptions may be related to the size of the loan.
  • Loan Period: Usually between 1 and 5 years.
  • Fees: In addition to interest, there are several types of fees that may be charged. These fees include closing fees, late fees, and various administrative fees. All lenders are required to disclose their fees upfront.
What are the Georgia payday loan disclosures?
  • Payday loans in Georgia are currently unavailable to residents
  • The good news is that we have other options for the residents of Georgia
For more information please contact:

State of Georgia

Consumer Services Division
2 Martin Luther King, Jr. Drive, West Tower, Suite 716
Atlanta, Georgia 30334