Loans By State

Best Loans in Georgia, Payday, Auto Title Laws 2020

EPF Last Update: June 7, 2020

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The Georgia Industrial Loan Act requires licensed lenders to cap loans at $3,000 and terms at 36 months and 15 days. However, banks, trust companies, credit unions, real estate loan or mortgage companies, federal savings and loan associations, Georgia building and loan associations and pawnbrokers are exempt from the regulations. Educational entities are also exempt.

To operate legally within the state, licensed lenders have to pay a $250 application fee and a $500 licensing fee.

For both single-payment and installment loans, interest rates are capped at 10%. For loans with terms of 18 months or less, lenders can discount interest in advance. For terms exceeding 18 months, interest must be added to the loans principal.

Other allowable charges include:

  • An 8% loan fee on the first $600 and a 4% loan fee on any excess.
  • A late payment fee of $10.
  • A maintenance fee of $3.

Best Bad Credit Loans in Georgia 2020 

Amount

$500 – $10,000

Min Credit Score

0

APR

5.99% – 35.99%

Approval

< 1 Day

Terms

3 – 36 Months

Licensed in Georgia

Not a direct lender

Amount

$100 - $10,000

Min Credit Score

0

APR

Vary by State

Approval

< 1 Day

Terms

1 - 60 Months

Licensed in Georgia

Yes

Amount

$1,000 – $5,000

Min Credit Score

0

APR

Vary By State

Approval

< 1 Day

Terms

9 – 36 Months

Licensed in Georgia

Yes

Amount

$100 – $1,000

Min Credit Score

0

APR

Vary By State

Approval

< 1 Day

Terms

7 – 30 Days

Licensed in Georgia

Yes

Amount

$1,000 – $10,000

Min Credit Score

0

APR

5.99% – 35.99%

Approval

< 1 Day

Terms

2 – 5 Years

Licensed in Georgia

Not a direct lender

Amount

$1,000 – $50,000

Min Credit Score

500

APR

3.99% – 35.99%

Approval

< 1 Day

Terms

1 – 5 Years

Licensed in Georgia

Yes

Amount

$1,000 – $35,000

Min Credit Score

0

APR

5.99% – 35.99%

Approval

< 1 Day

Terms

2 – 5 Years

Licensed in Georgia

Yes

Amount

$1,000 – $100,000

Min Credit Score

500

APR

5.34% – 35.99%

Approval

< 1 Day

Terms

90 Days – 72 Months

Licensed in Georgia

Yes

Amount

$1,000 - $100,000

Min Credit Score

0

APR

4.99 - 35.99%

Approval

< 1 Day

Terms

12 - 120 months

Licensed in Georgia

Yes

Amount

$1,000 – $35,000

Min Credit Score

580

APR

5.99% – 35.99%

Approval

< 1 Day

Terms

90 Days – 72 Months

Licensed in Georgia

Not a direct lender

For a list of other great lenders, see our complete guide on bad credit loans.

Best Personal Loans for Good Credit in Georgia 2020 

Amount

$1,000 - $100,000

Min Credit Score

0

APR

4.99 - 35.99%

Approval

1 Day

Terms

12 - 120 months

Licensed in Georgia

Yes

Amount

$2,000 - $40,000

Min Credit Score

640

APR

7.95% - 35.99%

Approval

1 - 3 Days

Terms

36 - 60 months

Licensed in Georgia

Yes

Amount

$1,000 – $100,000

Min Credit Score

0

APR

4.99 - 35.99%

Approval

1 Day

Terms

12 - 120 months

Licensed in Georgia

Yes

Amount

$1,000 – $35,000

Min Credit Score

580

APR

5.99% – 35.99%

Approval

< 1 Day

Terms

90 Days – 72 Months

Licensed in Georgia

Yes

Amount

$1,000 – $50,000

Min Credit Score

500

APR

3.99% – 35.99%

Approval

< 1 Day

Terms

1 – 5 Years

Licensed in Georgia

Yes

Amount

$1,000 – $35,000

Min Credit Score

0

APR

5.99% – 35.99%

Approval

< 1 Day

Terms

2 – 5 Years

Licensed in Georgia

Yes

Amount

$1,000 – $50,000

Min Credit Score

600

APR

7.99% - 35.97%

Approval

< 1 Day

Terms

3 - 5 Years

Licensed in Georgia

Yes

Amount

$5,000 – $35,000

Min Credit Score

640

APR

5.99% – 24.99%

Approval

1 – 7 Days

Terms

2 - 5 Years

Licensed in Georgia

Yes

Amount

$2,500-$35,000

Min Credit Score

660

APR

6.99-24.99%

Approval

1 Day

Terms

24 - 84 Months

Licensed in Georgia

Yes

Amount

$7,500 - $40,000

Min Credit Score

680

APR

6 - 15%

Approval

1 - 7 Days

Terms

36 - 84 months

Licensed in Georgia

Yes

For a list of other available options, see our recommended lenders.

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Payday Loan Laws in Georgia 2020 

Payday loans are illegal in Georgia.

The exceptions are out-of-state FDIC-insured banks and licensed lenders operating under the Georgia Industrial Loan Act. However, the interest rate and fee caps we mentioned above makes the product largely unprofitable for prospective lenders.

Payday Loan Laws in Georgia by Country

ElitePersonalFinance analysis of payday loan laws by countries in the State of Georgia.

We haven’t found a significant difference between the payday loan laws in Georgia. If you are with bad credit, here are the laws in Georgia by country.

CityAmount AllowedAPR AllowedStatus
AtlantaN/A10%Prohibited
Augusta-Richmond CountyN/A10%Prohibited
ColumbusN/A10%Prohibited
Macon-Bibb CountyN/A10%Prohibited
SavannahN/A10%Prohibited
Athens-Clarke CountyN/A10%Prohibited
Sandy SpringsN/A10%Prohibited
South FultonN/A10%Prohibited
RoswellN/A10%Prohibited
Johns CreekN/A10%Prohibited
Warner RobinsN/A10%Prohibited
AlbanyN/A10%Prohibited
AlpharettaN/A10%Prohibited
MariettaN/A10%Prohibited
ValdostaN/A10%Prohibited
SmyrnaN/A10%Prohibited
StonecrestN/A10%Prohibited
BrookhavenN/A10%Prohibited
DunwoodyN/A10%Prohibited
Peachtree CornersN/A10%Prohibited
MabletonN/A10%Prohibited
GainesvilleN/A10%Prohibited
MiltonN/A10%Prohibited
NewnanN/A10%Prohibited
RomeN/A10%Prohibited
MartinezN/A10%Prohibited
TuckerN/A10%Prohibited
Peachtree CityN/A10%Prohibited
East PointN/A10%Prohibited
EvansN/A10%Prohibited
KennesawN/A10%Prohibited
DaltonN/A10%Prohibited
HinesvilleN/A10%Prohibited
DouglasvilleN/A10%Prohibited
RedanN/A10%Prohibited
StatesboroN/A10%Prohibited
LaGrangeN/A10%Prohibited
WoodstockN/A10%Prohibited
LawrencevilleN/A10%Prohibited
DuluthN/A10%Prohibited
ChambleeN/A10%Prohibited
StockbridgeN/A10%Prohibited
CantonN/A10%Prohibited
CarrolltonN/A10%Prohibited
McDonoughN/A10%Prohibited
Candler-McAfeeN/A10%Prohibited
PoolerN/A10%Prohibited
DecaturN/A10%Prohibited
GriffinN/A10%Prohibited
AcworthN/A10%Prohibited
Sugar HillN/A10%Prohibited
Union CityN/A10%Prohibited
CartersvilleN/A10%Prohibited
SnellvilleN/A10%Prohibited
Forest ParkN/A10%Prohibited
SuwaneeN/A10%Prohibited
MilledgevilleN/A10%Prohibited
ThomasvilleN/A10%Prohibited
St. MarysN/A10%Prohibited
FayettevilleN/A10%Prohibited
North DecaturN/A10%Prohibited
North Druid HillsN/A10%Prohibited
Lithia SpringsN/A10%Prohibited
KingslandN/A10%Prohibited
CalhounN/A10%Prohibited
TiftonN/A10%Prohibited
NorcrossN/A10%Prohibited
RiverdaleN/A10%Prohibited
BrunswickN/A10%Prohibited
PerryN/A10%Prohibited
ConyersN/A10%Prohibited
DublinN/A10%Prohibited
WinderN/A10%Prohibited
AmericusN/A10%Prohibited
Belvedere ParkN/A10%Prohibited
Wilmington IslandN/A10%Prohibited
BufordN/A10%Prohibited
Villa RicaN/A10%Prohibited
Powder SpringsN/A10%Prohibited
College ParkN/A10%Prohibited
FairburnN/A10%Prohibited
St. SimonsN/A10%Prohibited
MoultrieN/A10%Prohibited
Mountain Park CDPN/A10%Prohibited
CovingtonN/A10%Prohibited
WaycrossN/A10%Prohibited
GrovetownN/A10%Prohibited
GeorgetownN/A10%Prohibited
MonroeN/A10%Prohibited
ViningsN/A10%Prohibited
DallasN/A10%Prohibited
ClarkstonN/A10%Prohibited
LilburnN/A10%Prohibited
Richmond HillN/A10%Prohibited
BainbridgeN/A10%Prohibited
LoganvilleN/A10%Prohibited
DouglasN/A10%Prohibited
Holly SpringsN/A10%Prohibited
CordeleN/A10%Prohibited
Cusseta-Chattahoochee CountyN/A10%Prohibited
ScottdaleN/A10%Prohibited
JeffersonN/A10%Prohibited
PanthersvilleN/A10%Prohibited
BraseltonN/A10%Prohibited
VidaliaN/A10%Prohibited
DoravilleN/A10%Prohibited
CedartownN/A10%Prohibited
RinconN/A10%Prohibited
Fort OglethorpeN/A10%Prohibited
JesupN/A10%Prohibited
CairoN/A10%Prohibited
Fort StewartN/A10%Prohibited
Fair OaksN/A10%Prohibited
Garden CityN/A10%Prohibited
FitzgeraldN/A10%Prohibited
ThomastonN/A10%Prohibited
Skidaway IslandN/A10%Prohibited
Fort ValleyN/A10%Prohibited
Gresham ParkN/A10%Prohibited
IrondaleN/A10%Prohibited
McRae-HelenaN/A10%Prohibited
Dock JunctionN/A10%Prohibited
ToccoaN/A10%Prohibited
Druid HillsN/A10%Prohibited
Country Club EstatesN/A10%Prohibited
Port WentworthN/A10%Prohibited
CentervilleN/A10%Prohibited
HamptonN/A10%Prohibited
SwainsboroN/A10%Prohibited
AuburnN/A10%Prohibited
AustellN/A10%Prohibited
MorrowN/A10%Prohibited
TyroneN/A10%Prohibited
LaFayetteN/A10%Prohibited
Flowery BranchN/A10%Prohibited
Whitemarsh IslandN/A10%Prohibited
CommerceN/A10%Prohibited
BarnesvilleN/A10%Prohibited
ThomsonN/A10%Prohibited
HapevilleN/A10%Prohibited
DahlonegaN/A10%Prohibited
Locust GroveN/A10%Prohibited
EatontonN/A10%Prohibited
FairviewN/A10%Prohibited
LovejoyN/A10%Prohibited
BremenN/A10%Prohibited
Stone MountainN/A10%Prohibited
CummingN/A10%Prohibited
ConleyN/A10%Prohibited
SylvesterN/A10%Prohibited
DaculaN/A10%Prohibited
SandersvilleN/A10%Prohibited
WaynesboroN/A10%Prohibited
HawkinsvilleN/A10%Prohibited
AdelN/A10%Prohibited
EastmanN/A10%Prohibited
LakeviewN/A10%Prohibited
ByronN/A10%Prohibited
PalmettoN/A10%Prohibited
GlennvilleN/A10%Prohibited
CamillaN/A10%Prohibited
JacksonN/A10%Prohibited
FolkstonN/A10%Prohibited
CochranN/A10%Prohibited
NashvilleN/A10%Prohibited
AdairsvilleN/A10%Prohibited
JonesboroN/A10%Prohibited
BaxleyN/A10%Prohibited
BlakelyN/A10%Prohibited
MontgomeryN/A10%Prohibited
LindaleN/A10%Prohibited
Social CircleN/A10%Prohibited
HartwellN/A10%Prohibited
ElbertonN/A10%Prohibited
TempleN/A10%Prohibited
SummervilleN/A10%Prohibited
LyonsN/A10%Prohibited
CorneliaN/A10%Prohibited
ChatsworthN/A10%Prohibited
EuharleeN/A10%Prohibited
RockmartN/A10%Prohibited
DawsonN/A10%Prohibited
HazlehurstN/A10%Prohibited
SenoiaN/A10%Prohibited
OakwoodN/A10%Prohibited
WalthourvilleN/A10%Prohibited
ForsythN/A10%Prohibited
MadisonN/A10%Prohibited
Rossville and Echols County consolidated governmentN/A10%Prohibited
MetterN/A10%Prohibited
ManchesterN/A10%Prohibited
WashingtonN/A10%Prohibited
HiramN/A10%Prohibited
NichollsN/A10%Prohibited
ClevelandN/A10%Prohibited
JasperN/A10%Prohibited
QuitmanN/A10%Prohibited
ViennaN/A10%Prohibited
Chattanooga ValleyN/A10%Prohibited
AshburnN/A10%Prohibited
WrightsvilleN/A10%Prohibited
GraysonN/A10%Prohibited
UnadillaN/A10%Prohibited
PelhamN/A10%Prohibited
CuthbertN/A10%Prohibited
RinggoldN/A10%Prohibited
West PointN/A10%Prohibited
SpringfieldN/A10%Prohibited
OcillaN/A10%Prohibited
BlackshearN/A10%Prohibited
BaldwinN/A10%Prohibited
AlmaN/A10%Prohibited
HardwickN/A10%Prohibited
BonanzaN/A10%Prohibited
Hannahs MillN/A10%Prohibited
AlamoN/A10%Prohibited
GreensboroN/A10%Prohibited
Kings Bay BaseN/A10%Prohibited
LakelandN/A10%Prohibited
GrayN/A10%Prohibited
GrantvilleN/A10%Prohibited
Heron BayN/A10%Prohibited
ChickamaugaN/A10%Prohibited
Avondale EstatesN/A10%Prohibited
TallapoosaN/A10%Prohibited
MontezumaN/A10%Prohibited
Tybee IslandN/A10%Prohibited
HogansvilleN/A10%Prohibited
SopertonN/A10%Prohibited
HarlemN/A10%Prohibited

Car Title Loans in Georgia 2020 

Car title loans are legal in Georgia.

However, the state categorizes car title lenders as pawnbrokers.

Georgia law defines a pawnbroker as, “any person engaged in whole or in part in the business of lending money on the security of pledged goods, or in the business of purchasing tangible personal property on the condition that it may be redeemed or repurchased by the seller for a fixed price within a fixed period of time.”

Interest is levied over 30-day periods. For a 90-day car title loan, interest rates are capped at 25% per 30-day period, with a minimum charge of $10 per 30-day period. If the loan is extended beyond 90 days, interest rates are capped at 12.5% per 30-day period, with a minimum charge of $5 per 30-day period.

Licensed pawnbrokers can also charge:

  • A lien registration fee (if required and at cost).
  • Up to $5 per day in storage fees, if the vehicle is not already in the pawnbroker’s possession.
  • Up to $2 for lost or destroyed pawn tickets.
  • Up to 50% of the shipping costs when the seller requests the car be shipped back.

Repossession fees are also regulated:

  • Lenders can charge up to $50 if the vehicle is within 50 miles of where the pawn originated.
  • Up to $100 if the vehicle is within 51 to 100 miles of where the pawn originated.
  • Up to $150 if the vehicle is within 101 to 300 miles of where the pawn originated.
  • Up to $250 if the vehicle is beyond 300 miles of where the pawn originated.

Alternative Payday Loans in Georgia 

If you’re struggling to find an affordable loan, OppLoans provides alternative financing solutions to residents of Georgia.

The company is licensed in the state as a Foreign Limited Liability Company. Typical loans range from $3,001 to $5,000 and come with average APRs of 59%. Terms also range from 12 to 24 months.

Best Auto Loans for Bad Credit in Georgia 2020

Amount

$1,000 - $100,000

Min Credit Score

0

APR

From 1.99%

Licensed in Georgia

Yes

Amount

$1,000 - $100,000

Min Credit Score

0

APR

From 1.99%

Licensed in Georgia

Yes

Amount

Up to $100,000

Min Credit Score

0

APR

Vary

Licensed in Georgia

Yes

Amount

Up to $100,000

Min Credit Score

0

APR

Vary

Licensed in Georgia

Yes

Amount

Up to $100,000

Min Credit Score

0

APR

Vary

Licensed in Georgia

Yes

Amount

$8,000 - $100,000

Min Credit Score

500

APR

2.74% - 27%

Licensed in Georgia

Yes

Amount

$1,000 - $100,000

Min Credit Score

500

APR

From 3.09%

Licensed in Georgia

Yes

Amount

$250 - $500,000

Min Credit Score

640

APR

2.99% - 21.99%

Licensed in Georgia

Yes

Amount

$1,500 - $20,000

Min Credit Score

0

APR

18.00% - 35.99%

Licensed in Georgia

Yes

Amount

$1,000 - $45,000

Min Credit Score

0

APR

From 0.99%

Licensed in Georgia

Yes

Amount

$1,000 - $35,000

Min Credit Score

0

APR

From 1.99%

Licensed in Georgia

Yes

Amount

$7,500 - $50,000

Min Credit Score

500

APR

From 3.39%

Licensed in Georgia

Yes

Amount

$5,000 – $55,000

Min Credit Score

510

APR

3.99% - 24.99%

Licensed in Georgia

Yes

Amount

$1,000 - $100,000

Min Credit Score

0

APR

3.90% - 27.90%

Licensed in Georgia

Yes

Best Auto Loans for Good Credit in Georgia 2020

Amount

$1,000 - $100,000

Min Credit Score

0

APR

From 1.99%

Licensed in Georgia

Yes

Amount

$1,000 - $100,000

Min Credit Score

0

APR

From 1.99%

Licensed in Georgia

Yes

Amount

$1,000 - $100,000

Min Credit Score

500

APR

From 3.09%

Licensed in Georgia

Yes

Amount

$250 - $500,000

Min Credit Score

640

APR

2.99% - 21.99%

Licensed in Georgia

Yes

Amount

$5,000-$100,000

Min Credit Score

660

APR

4.99% to 9.19%

Licensed in Georgia

Yes

Amount

$7,500 - $50,000

Min Credit Score

500

APR

From 3.39%

Licensed in Georgia

Yes

Amount

$8,000 - $100,000

Min Credit Score

500

APR

2.74% - 27%

Licensed in Georgia

Yes

Amount

$1,000 - $100,000

Min Credit Score

0

APR

3.90% - 27.90%

Licensed in Georgia

Yes

Amount

$3,000 - $100,000

Min Credit Score

650

APR

From 3.12%

Licensed in Georgia

Yes

Amount

$5,000 - $100,000

Min Credit Score

640

APR

From 3.54%

Licensed in Georgia

Yes

Amount

$5,000 – $55,000

Min Credit Score

510

APR

3.99% - 24.99%

Licensed in Georgia

Yes

Amount

$5,000 - $100,000

Min Credit Score

600

APR

3.54% - 10.24%

Licensed in Georgia

Yes

Amount

$1,500 - $20,000

Min Credit Score

0

APR

18.00% - 35.99%

Licensed in Georgia

Yes

Credit Unions in Georgia

Name:APR:Amount:
Delta Community Credit Union6.5% – 17.5%$500+
Georgia’s Own Credit Union8.24%+$200 – $25,000

Delta Community Credit Union

At Delta Community Credit Union, you can opt for a personal line of credit or a fixed personal loan:

  • A Personal Line of Credit offers funding up to $20,000 with APRs of 10.75% to 17%.
  • A Fixed Personal Loan allows you to borrow as little as $500 with no maximum. However, APRs vary by term.

Personal loan APRs are structured as:

  • Up to 12 months: 6.50% to 16.75%.
  • Up to 24 months: 6.75% to 17.25%.
  • Up to 36 months: 7% to 17.25%.
  • Up to 48 months: 7.25% to 17.25%.
  • Up to 60 months: 7.50% to 17.25%.

Delta Community operates 23 branches across Georgia, with locations in Cherokee, Forsyth, Cobb, Fulton as well as many others.

Georgia’s Own Credit Union

Georgia’s Own Credit Union has three reliable loan products to choose from:

  • Cash N.O.W Advances allow you to borrow anywhere from $200 to $500 with a fixed APR of 17.99%. Terms range from 90 to 120 days and the product acts as a substitute for high-cost payday loans. To qualify, you need to have a Georgia’s Own savings account, a 90-day direct deposit history, proof of income and have your membership in good standing.
  • Lifestyle Loans can be used for nearly any event. You can borrow anywhere from $250 to $25,000 and APRs are as low as 8.24%.
  • A Personal Line of Credit offers variable financing with APRs as low as 10.24%. You can also link your Georgia’s Own checking account to protect against overdrafts.

Georgia’s Own operates 21 branches across Georgia, with locations in Alpharetta, Atlanta, Conyers, Gainesville as well as many others.

All Licensed Credit Unions in Georgia

NameCitySize (Millions)Members
DELTA COMMUNITY CREDIT UNIONAtlanta$4,172.54240689
GEORGIA’S OWN CREDIT UNIONAtlanta$1,663.25182585
ASSOCIATED CREDIT UNIONNorcross$1,211.59152349
ROBINS FEDERAL CREDIT UNIONWarner Robins$1,592.14140372
GEORGIA UNITED CREDIT UNIONDuluth$893.02115774
ATLANTA POSTAL CREDIT UNIONAtlanta$1,972.9199964
LGE COMMUNITY CREDIT UNIONMarietta$828.1698872
TIC FEDERAL CREDIT UNIONColumbus$244.2440412
DOCO REGIONAL CREDIT UNIONAlbany$172.6135910
GWINNETT FEDERAL CREDIT UNIONLawrenceville$185.0334346
CREDIT UNION OF GEORGIAWoodstock$185.5733154
THE SOUTHERN FEDERAL CREDIT UNIONFayetteville$294.4032147
MIDSOUTH COMMUNITY FEDERAL CREDIT UNIONMacon$163.1232094
COOSA VALLEY FEDERAL CREDIT UNIONRome$157.8824202
GEOVISTA FEDERAL CREDIT UNIONHinesville$100.9823832
SOUTHEASTERN FEDERAL CREDIT UNIONValdosta$159.7323297
POWERCO FEDERAL CREDIT UNIONAtlanta$174.1721236
EMORY ALLIANCE CREDIT UNIONDecatur$129.9218940
UNITED 1ST FEDERAL CREDIT UNIONKingsland$105.5617735
AFLAC FEDERAL CREDIT UNIONColumbus$169.0617287
CDC FEDERAL CREDIT UNIONAtlanta$240.5017198
MARSHLAND COMMUNITY FEDERAL CREDIT UNIONBrunswick$118.3616289
CREDIT UNION OF ATLANTAAtlanta$75.7816194
MEMBERSFIRST CREDIT UNIONDecatur$97.7315927
THE COCA-COLA COMPANY FAMILY FEDERAL CREDIT UNIONAtlanta$159.6512973
GEMC FEDERAL CREDIT UNIONAtlanta$81.1112971
EXCEL FEDERAL CREDIT UNIONNorcross$86.5112852
AUGUSTA METRO FEDERAL CREDIT UNIONAugusta$62.3812709
NORTHWEST GEORGIA CREDIT UNIONRome$58.2512621
PINNACLE CREDIT UNIONAtlanta$86.1412605
FULTON TEACHERS CREDIT UNIONHapeville$85.1310835
INTERSTATE UNLIMITED FEDERAL CREDIT UNIONJesup$64.7810623
HALLCO COMMUNITY CREDIT UNIONGainesville$46.1310149
ALTAMAHA FEDERAL CREDIT UNIONJesup$54.5910115
CGR CREDIT UNIONMacon$53.4010077
AUGUSTA VAH FEDERAL CREDIT UNIONAugusta$59.179991
1ST CHOICE CREDIT UNIONAtlanta$24.109231
HEALTH CENTER CREDIT UNIONAugusta$46.118923
GEORGIA POWER FEDERAL CREDIT UNIONAtlanta$41.318461
ROSE CITY FEDERAL CREDIT UNIONThomasville$24.488274
PIEDMONT HOSPITAL FEDERAL CREDIT UNIONAtlanta$31.368197
M E A FEDERAL CREDIT UNIONColumbus$62.608189
GEORGIA HERITAGE FEDERAL CREDIT UNIONSavannah$77.098020
GEORGIA POWER NORTHWEST FEDERAL CREDIT UNIONRome$42.347921
CORE CREDIT UNIONStatesboro$48.917692
FORT GORDON AND COMMUNITY CREDIT UNIONFort Gordon$55.637388
NORTH GEORGIA CREDIT UNIONToccoa$43.436983
MUTUAL SAVINGS CREDIT UNIONAtlanta$67.156226
ALBANY FEDERAL EMP. CREDIT UNIONAlbany$41.956170
UNIVERSITY HEALTH FEDERAL CREDIT UNIONAugusta$19.266093
PLATINUM FEDERAL CREDIT UNIONLilburn$35.445988
PEACH STATE FEDERAL CREDIT UNIONAvondale Estates$14.505803
FLOWERS EMPLOYEES CREDIT LEAGUE CREDIT UNIONThomasville$22.515696
FIDELITY FEDERAL CREDIT UNIONSandy Springs$24.215602
FORT MCPHERSON CREDIT UNIONAtlanta$22.075255
HUMAN SERVICES EMPLOYEES’ CREDIT UNIONAtlanta$23.245137
B.O.N.D. COMMUNITY FEDERAL CREDIT UNIONAtlanta$37.255025
MEMBERS ALLIANCE FEDERAL CREDIT UNIONColumbus$26.324931
GEORGIA FLORIDA UNITED METHODIST FEDERAL CREDIT UNIONMarietta$26.604573
COMBINED EMPLOYEES CREDIT UNIONWarner Robins$8.624401
THREE RIVERS CREDIT UNIONBainbridge$10.444333
MEMORIAL HEALTH CREDIT UNIONSavannah$15.554244
H E A FEDERAL CREDIT UNIONWarner Robins$22.194033
RICHMOND COMMUNITY FEDERAL CREDIT UNIONAugusta$17.943988
COWETA CITIES & COUNTY EMPLOYEES FEDERAL CREDIT UNIONNewnan$14.963838
ETOWAH VALLEY FEDERAL CREDIT UNIONCartersville$19.993738
CHATHAM FEDERAL CREDIT UNIONSavannah$21.763679
LANIER FEDERAL CREDIT UNIONOakwood$21.933621
NORTHSIDE FEDERAL CREDIT UNIONAtlanta$10.933595
SAVANNAH SCHOOLS FEDERAL CREDIT UNIONSavannah$25.923540
FREDERICA CREDIT UNIONBrunswick$38.193416
COMMUNITY UNITED FEDERAL CREDIT UNIONWaycross$15.313170
GEORGIA POWER VALDOSTA FEDERAL CREDIT UNIONValdosta$23.753168
PETROLEUM ASSOCIATES FEDERAL CREDIT UNIONDuluth$37.332926
RCT FEDERAL CREDIT UNIONAugusta$5.242864
CENTRAL STATE HOSPITAL CREDIT UNIONMilledgeville$10.452828
GEORGIA DEPT OF PUB SAFETY CREDIT UNIONAtlanta$13.562736
NASHVILLE CREDIT UNIONNashville$12.192686
ATLANTA FEDERAL CREDIT UNIONAtlanta$9.262609
HABERSHAM FEDERAL CREDIT UNIONClarkesville$12.312576
ARTESIAN CITY FEDERAL CREDIT UNIONAlbany$14.052313
SAVANNAH POSTAL CREDIT UNIONSavannah$16.202266
FIRST RELIANCE FEDERAL CREDIT UNIONAthens$11.112247
HEALTHCOM FEDERAL CREDIT UNIONDalton$10.152142
SOUTHERN PINE CREDIT UNIONValdosta$40.552132
CATOOSA TEACHERS FEDERAL CREDIT UNIONRinggold$11.842087
GEORGIA PINE FEDERAL CREDIT UNIONBrunswick$22.192054
SAVANNAH FEDERAL CREDIT UNIONSavannah$19.661981
VALDOSTA TEACHERS FEDERAL CREDIT UNIONValdosta$9.701949
FIELDALE CREDIT UNIONBaldwin$8.581873
ROME KRAFT EMPLOYEES CREDIT UNIONCoosa$17.051833
MERCY FEDERAL CREDIT UNIONSavannah$4.911781
MEMBERS UNITED CREDIT UNIONColumbus$11.171700
STEPHENS-FRANKLIN TEACHERS FEDERAL CREDIT UNIONToccoa$19.151695
CITY EMPLOYEES CREDIT UNIONMacon$2.701629
THE WRIGHT CREDIT UNIONToccoa$12.411628
AUGUSTA SEABOARD COMMUNITY FEDERAL CREDIT UNIONAugusta$7.131546
COLQUITT COUNTY TEACHER FEDERAL CREDIT UNIONMoultrie$5.041497
GEORGIA COASTAL FEDERAL CREDIT UNIONBrunswick$10.251490
G. P. A. CREDIT UNIONSavannah$12.961445
ATLANTA TEACHERS FEDERAL CREDIT UNIONAtlanta$7.251439
GLYNN COUNTY FEDERAL EMPLOYEES CREDIT UNIONBrunswick$17.571435
SPC FEDERAL CREDIT UNIONAtlanta$1.121291
REGIONAL MEMBERS FEDERAL CREDIT UNIONColumbus$7.151289
MEAD EMPLOYEES’ CREDIT UNIONAtlanta$4.311242
WALKER COUNTY EDUCATORS FEDERAL CREDIT UNIONLafayette$7.911237
COFFEE COUNTY TEACHERS FEDERAL CREDIT UNIONDouglas$3.351204
WORKMEN’S CIRCLE INCORPORATED CREDIT UNIONSavannah$48.781174
LOCOGA FEDERAL CREDIT UNIONValdosta$6.401165
ETHICON CREDIT UNIONCornelia$10.051156
GEORGIA GUARD CREDIT UNIONMacon$4.151132
BEKA FEDERAL CREDIT UNIONLindale$7.371129
HUTCHESON FEDERAL CREDIT UNIONFort Oglethorpe$5.091117
GENUINE PARTS CREDIT UNIONNorcross$8.411001
GDC FEDERAL CREDIT UNIONNewnan$3.31998
GEORGIA POWER MACON FEDERAL CREDIT UNIONMacon$3.28958
MULTIPLE EMPLOYEE GROUP FEDERAL CREDIT UNIONThomasville$4.14950
CRMC EMPLOYEES CREDIT UNIONDouglas$2.26880
OMEGA PSI PHI FRATERNITY FEDERAL CREDIT UNIONSuwanee$0.70843
MOULTRIE EMPLOYEES FEDERAL CREDIT UNIONMoultrie$2.32842
RIG EMPLOYEES CREDIT UNIONMacon$7.03814
BROSNAN YARD FEDERAL CREDIT UNIONMacon$3.01787
JEFF DAVIS CREDIT UNIONHazlehurst$4.99783
WARE COUNTY SCHOOL EMPLOYEES FEDERAL CREDIT UNIONWaycross$5.08776
FLINT FEDERAL CREDIT UNIONReynolds$2.93769
E L C O FEDERAL CREDIT UNIONElberton$3.05742
MACON FIREMEN’S CREDIT UNIONMacon$3.76696
SAVASTATE TEACHERS FEDERAL CREDIT UNIONSavannah$4.25672
ROPER CORPORATION EMPLOYEES CREDIT UNIONLafayette$1.45670
FLOYD COUNTY POSTAL EMP CREDIT UNIONRome$5.12663
UNITED NEIGHBORHOOD FEDERAL CREDIT UNIONAugusta$1.29637
LOCAL 461 FEDERAL CREDIT UNIONMacon$0.97547
TOWNS-UNION EDUCATORS’ FEDERAL CREDIT UNIONYoung Harris$2.50534
PATTERSON PUMP FEDERAL CREDIT UNIONToccoa$2.29450
BIG BETHEL A.M.E. CHURCH FEDERAL CREDIT UNIONAtlanta$0.22381
HARRIS EMPLOYEES CREDIT UNIONCordele$2.23378
MACON POLICE CREDIT UNIONMacon$0.38344
SMITH AND SONS EMPLOYEES CREDIT UNIONMacon$0.32328
FLINT RIVER EMPLOYEES FEDERAL CREDIT UNIONOglethorpe$1.94325
F A B CHURCH FEDERAL CREDIT UNIONSavannah$0.23297
BERRIEN TEACHERS FEDERAL CREDIT UNIONNashville$1.17258
DAIRY-PAK ATHENS CREDIT UNIONAthens$0.28248
RICHMOND CTY HEALTH DEPT.EMP. CREDIT UNIONAugusta$0.36242
TABERNACLE FEDERAL CREDIT UNIONAugusta$0.22238
MACON WATER WORKS CREDIT UNIONMacon$1.08188
STEPHENS COUNTY COMMUNITY FEDERAL CREDIT UNIONToccoa$0.16179
RABUN-TALLULAH FEDERAL CREDIT UNIONTiger$0.52176
GOLDEN FEDERAL CREDIT UNIONColumbus$0.44171
PINEY GROVE COMMUNITY FEDERAL CREDIT UNIONSwainsboro$0.0564

Student Loans in Georgia

Georgia HOPE Scholarship

The HOPE Scholarship is a merit-based grant that helps cover tuition and education costs for students attending eligible institutions. Amounts vary by institution, and to qualify, you need to be a Georgia resident and U.S. citizen or eligible non-citizen.

Other requirements include:

  • Graduate with a minimum 3.0 GPA from an eligible high school.
  • Be in good standing with any other student loans or financial assistance.
  • Be in compliance with the Selective Service registration requirements.

If you come from a non-traditional academic background, there are also other ways to qualify.

Zell Miller Scholarship

Like the HOPE Scholarship, the Zell Miller Scholarship is also merit-based and grants vary by institution. The qualification requirements are similar, except:

  • You need to graduate as a valedictorian or salutatorian from an accredited high school.
  • Graduate with a minimum 3.7 GPA and score 1200 on the math and reading sections of the SAT or 26 on the ACT.

Similarly, if you come from a non-traditional academic background, there are other ways to qualify.

Federal Housing Administration (FHA) Loans in Georgia 

There are 159 counties in Georgia where you can apply for an FHA loan. The lowest loan amount of $314,827 is offered in 134 counties, while the highest loan amount of $990,800 is offered in Greene County.

CountySingle Unit Limit (lowest)Four-Plex Limit (highest)
Appling County$331,760$638,100
Atkinson County$331,760$638,100
Bacon County$331,760$638,100
Baker County$331,760$638,100
Baldwin County$331,760$638,100
Banks County$331,760$638,100
Barrow County$401,350$771,850
Bartow County$401,350$771,850
Ben Hill County$331,760$638,100
Berrien County$331,760$638,100
Bibb County$331,760$638,100
Bleckley County$331,760$638,100
Brantley County$331,760$638,100
Brooks County$331,760$638,100
Bryan County$331,760$638,100
Bulloch County$331,760$638,100
Burke County$331,760$638,100
Butts County$401,350$771,850
Calhoun County$331,760$638,100
Camden County$331,760$638,100
Candler County$331,760$638,100
Carroll County$401,350$771,850
Catoosa County$331,760$638,100
Charlton County$331,760$638,100
Chatham County$331,760$638,100
Chattahoochee County$331,760$638,100
Chattooga County$331,760$638,100
Cherokee County$401,350$771,850
Clarke County$379,500$729,800
Clay County$331,760$638,100
Clayton County$401,350$771,850
Clinch County$331,760$638,100
Cobb County$401,350$771,850
Coffee County$331,760$638,100
Colquitt County$331,760$638,100
Columbia County$331,760$638,100
Cook County$331,760$638,100
Coweta County$401,350$771,850
Crawford County$331,760$638,100
Crisp County$331,760$638,100
Dade County$331,760$638,100
Dawson County$401,350$771,850
Decatur County$331,760$638,100
Dekalb County$401,350$771,850
Dodge County$331,760$638,100
Dooly County$331,760$638,100
Dougherty County$331,760$638,100
Douglas County$401,350$771,850
Early County$331,760$638,100
Echols County$331,760$638,100
Effingham County$331,760$638,100
Elbert County$331,760$638,100
Emanuel County$331,760$638,100
Evans County$331,760$638,100
Fannin County$331,760$638,100
Fayette County$401,350$771,850
Floyd County$331,760$638,100
Forsyth County$401,350$771,850
Franklin County$331,760$638,100
Fulton County$401,350$771,850
Gilmer County$331,760$638,100
Glascock County$331,760$638,100
Glynn County$331,760$638,100
Gordon County$331,760$638,100
Grady County$331,760$638,100
Greene County$515,200$990,800
Gwinnett County$401,350$771,850
Habersham County$331,760$638,100
Hall County$331,760$638,100
Hancock County$331,760$638,100
Haralson County$401,350$771,850
Harris County$331,760$638,100
Hart County$331,760$638,100
Heard County$401,350$771,850
Henry County$401,350$771,850
Houston County$331,760$638,100
Irwin County$331,760$638,100
Jackson County$331,760$638,100
Jasper County$401,350$771,850
Jeff Davis County$331,760$638,100
Jefferson County$331,760$638,100
Jenkins County$331,760$638,100
Johnson County$331,760$638,100
Jones County$331,760$638,100
Lamar County$401,350$771,850
Lanier County$331,760$638,100
Laurens County$331,760$638,100
Lee County$331,760$638,100
Liberty County$331,760$638,100
Lincoln County$331,760$638,100
Long County$331,760$638,100
Lowndes County$331,760$638,100
Lumpkin County$331,760$638,100
Macon County$331,760$638,100
Madison County$379,500$729,800
Marion County$331,760$638,100
Mcduffie County$331,760$638,100
Mcintosh County$331,760$638,100
Meriwether County$401,350$771,850
Miller County$331,760$638,100
Mitchell County$331,760$638,100
Monroe County$331,760$638,100
Montgomery County$331,760$638,100
Morgan County$401,350$771,850
Murray County$331,760$638,100
Muscogee County$331,760$638,100
Newton County$401,350$771,850
Oconee County$379,500$729,800
Oglethorpe County$379,500$729,800
Paulding County$401,350$771,850
Peach County$331,760$638,100
Pickens County$401,350$771,850
Pierce County$331,760$638,100
Pike County$401,350$771,850
Polk County$331,760$638,100
Pulaski County$331,760$638,100
Putnam County$331,760$638,100
Quitman County$331,760$638,100
Rabun County$331,760$638,100
Randolph County$331,760$638,100
Richmond County$331,760$638,100
Rockdale County$401,350$771,850
Schley County$331,760$638,100
Screven County$331,760$638,100
Seminole County$331,760$638,100
Spalding County$401,350$771,850
Stephens County$331,760$638,100
Stewart County$331,760$638,100
Sumter County$331,760$638,100
Talbot County$331,760$638,100
Taliaferro County$331,760$638,100
Tattnall County$331,760$638,100
Taylor County$331,760$638,100
Telfair County$331,760$638,100
Terrell County$331,760$638,100
Thomas County$331,760$638,100
Tift County$331,760$638,100
Toombs County$331,760$638,100
Towns County$331,760$638,100
Treutlen County$331,760$638,100
Troup County$331,760$638,100
Turner County$331,760$638,100
Twiggs County$331,760$638,100
Union County$331,760$638,100
Upson County$331,760$638,100
Walker County$331,760$638,100
Walton County$401,350$771,850
Ware County$331,760$638,100
Warren County$331,760$638,100
Washington County$331,760$638,100

Business Loans in Georgia

At the click of a button, the lenders below can provide financing to help take your business to the next level:

Amount

Up to $10,000,000

APR

Vary

Min Credit Score

0

Licensed in Georgia

Yes

Amount

$5,000 - $500,000

APR

9.77% - 35.98%

Min Credit Score

600

Licensed in Georgia

Yes

Amount

$5,000 - $500,000

APR

5.99% – 35.99%

Min Credit Score

500

Licensed in Georgia

Yes

Amount

Up to $250,000

APR

24% – 99%

Min Credit Score

560

Licensed in Georgia

Yes

Amount

Up to $350,000

APR

9.28 - 10.52%

Min Credit Score

650

Licensed in Georgia

Yes

Amount

Up to $350,000

APR

10.00 - 25.00%

Min Credit Score

680

Licensed in Georgia

Yes

Amount

$75,000 - $5,000,000

APR

5.50 - 8.25%

Min Credit Score

650

Licensed in Georgia

Yes

Amount

Up to $500,000

APR

12.18 - 36.00%

Min Credit Score

660

Licensed in Georgia

Yes

Amount

Up to $500,000

APR

9.00 - 99.00%

Min Credit Score

600

Licensed in Georgia

Yes

Amount

Up to $5,000,000

APR

15.00 - 78.00%

Min Credit Score

600

Licensed in Georgia

Yes

Amount

Up to $1,000,000

APR

Vary

Min Credit Score

0

Licensed in Georgia

Yes

Amount

$6,000 to $250,000

APR

Vary

Min Credit Score

0

Licensed in Georgia

Yes

However, to consult with a team located in Georgia, consider Fintrus.

Fintrus

Offering alternative financing solutions to small businesses and investors, Fintrus is there when traditional banks say no. Three of its products are designed for real estate purchases, while its unsecured business line can be used for nearly any project:

  • ARV Rehab Loans are designed for businesses that fix and flip properties. You can borrow anywhere from $75,000 to $5 million and interest rates are as low as 7.99%. Terms range from 12 to 24 months, however, you need a FICO Score of at least 620 to qualify.
  • 1-4 Unit Rental Loans are designed for businesses that purchase residential properties to earn rental income. Loans also range from $75,000 to $5 million, but interest rates are as low as 6%. Terms extend up to 30 years and you only need a 580 FICO Score to qualify.
  • 30-Year Fixed Commercial Loans are designed for businesses that develop commercial properties. You can borrow anywhere from $200,000 to $2.5 million and interest rates are as low as 6%. Terms extend up to 30 years, but you need a FICO Score of at least 650 to qualify.
  • Unsecured Business Lines offer revolving credit without the need for any collateral. You can borrow anywhere from $25,000 to $150,000 and interest rates range from 0% to 9%. There are no restricted industries, however, you need a FICO Score of at least 680 to qualify and a personal credit history of at least 5 years with a $5,000 credit card limit. As well, if you’re approved for financing, you have to keep your credit utilization rate below 30%.

For more information, you can visit Fintrus’ office at: 3355 Lenox Road, Suite 750 Atlanta, GA 30326. You can also contact the company by phone at (855) 400-2254 or email them at info@fintrus.com.

Conclusion

State officials do a great job of regulating predatory loans in Georgia. Payday loans are banned and loans of $3,000 or less have capped interest rates that help borrowers avoid a cycle of debt. However, because they’re categorized as pawnbrokers, car title lenders are free to operate in the state. And with annual interest rates of 300% or more, you should consider other alternatives before opting for a car title loan. Take OppLoans for example. With loans in excess of $3,000, typical APRs are 59%. And while still on the high-side, it’s a great option if you’ve been turned down by other lenders.

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