Best Loans in Georgia, Payday, Auto Title Laws of February 2025

Elite Personal Finance
Last Update: December 1, 2024 Loans By State
Best Loans in All States

The Georgia Industrial Loan Act requires licensed lenders to cap loans at $3,000 and terms at 36 months and 15 days.

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 loan 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 of February 2025

Amount:

$100 - $15,000

Min. Credit Score:

0

APR:

5.99% - 35.99%

Approval:

5 Minutes

Terms:

1 - 72 Months

Licensed in Georgia:

Yes

Amount:

$1,000 - $50,000

Min. Credit Score:

300

APR:

5.6% - 35.99%

Approval:

5 Minutes

Terms:

3 - 5 Years

Licensed in Georgia:

Yes

Amount:

$100 - $40,000

Min. Credit Score:

0

APR:

5.99% - 35.99%

Approval:

5 Minutes

Terms:

1 - 60 Months

Licensed in Georgia:

Yes

Amount:

$100 - $15,000

Min. Credit Score:

0

APR:

5.99% - 35.99%

Approval:

5 Minutes

Terms:

1 - 60 Months

Licensed in Georgia:

Yes

Amount:

$100 - $40,000

Min. Credit Score:

0

APR:

5.99% - 35.99%

Approval:

5 Minutes

Terms:

1 - 60 Months

Licensed in Georgia:

Yes

Amount:

$200 - $5,000

Min. Credit Score:

0

APR:

5.99% - 35.99%

Approval:

5 Minutes

Terms:

1 - 60 Months

Licensed in Georgia:

Yes

Amount:

$1,000 - $100,000

Min. Credit Score:

0

APR:

5.99% - 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

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

Best Personal Loans for Good Credit in Georgia of February 2025

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 – $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

Payday Loan Laws in Georgia of February 2025

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 make the product largely unprofitable for prospective lenders.

Payday Loan Laws in Georgia by Country of February 2025

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.

City: Amount Allowed: APR Allowed: Status:
Atlanta N/A 10% Prohibited
Augusta-Richmond County N/A 10% Prohibited
Columbus N/A 10% Prohibited
Macon-Bibb County N/A 10% Prohibited
Savannah N/A 10% Prohibited
Athens-Clarke County N/A 10% Prohibited
Sandy Springs N/A 10% Prohibited
South Fulton N/A 10% Prohibited
Roswell N/A 10% Prohibited
Johns Creek N/A 10% Prohibited
Warner Robins N/A 10% Prohibited
Albany N/A 10% Prohibited
Alpharetta N/A 10% Prohibited
Marietta N/A 10% Prohibited
Valdosta N/A 10% Prohibited
Smyrna N/A 10% Prohibited
Stonecrest N/A 10% Prohibited
Brookhaven N/A 10% Prohibited
Dunwoody N/A 10% Prohibited
Peachtree Corners N/A 10% Prohibited
Mableton N/A 10% Prohibited
Gainesville N/A 10% Prohibited
Milton N/A 10% Prohibited
Newnan N/A 10% Prohibited
Rome N/A 10% Prohibited
Martinez N/A 10% Prohibited
Tucker N/A 10% Prohibited
Peachtree City N/A 10% Prohibited
East Point N/A 10% Prohibited
Evans N/A 10% Prohibited
Kennesaw N/A 10% Prohibited
Dalton N/A 10% Prohibited
Hinesville N/A 10% Prohibited
Douglasville N/A 10% Prohibited
Redan N/A 10% Prohibited
Statesboro N/A 10% Prohibited
LaGrange N/A 10% Prohibited
Woodstock N/A 10% Prohibited
Lawrenceville N/A 10% Prohibited
Duluth N/A 10% Prohibited
Chamblee N/A 10% Prohibited
Stockbridge N/A 10% Prohibited
Canton N/A 10% Prohibited
Carrollton N/A 10% Prohibited
McDonough N/A 10% Prohibited
Candler-McAfee N/A 10% Prohibited
Pooler N/A 10% Prohibited
Decatur N/A 10% Prohibited
Griffin N/A 10% Prohibited
Acworth N/A 10% Prohibited
Sugar Hill N/A 10% Prohibited
Union City N/A 10% Prohibited
Cartersville N/A 10% Prohibited
Snellville N/A 10% Prohibited
Forest Park N/A 10% Prohibited
Suwanee N/A 10% Prohibited
Milledgeville N/A 10% Prohibited
Thomasville N/A 10% Prohibited
St. Marys N/A 10% Prohibited
Fayetteville N/A 10% Prohibited
North Decatur N/A 10% Prohibited
North Druid Hills N/A 10% Prohibited
Lithia Springs N/A 10% Prohibited
Kingsland N/A 10% Prohibited
Calhoun N/A 10% Prohibited
Tifton N/A 10% Prohibited
Norcross N/A 10% Prohibited
Riverdale N/A 10% Prohibited
Brunswick N/A 10% Prohibited
Perry N/A 10% Prohibited
Conyers N/A 10% Prohibited
Dublin N/A 10% Prohibited
Winder N/A 10% Prohibited
Americus N/A 10% Prohibited
Belvedere Park N/A 10% Prohibited
Wilmington Island N/A 10% Prohibited
Buford N/A 10% Prohibited
Villa Rica N/A 10% Prohibited
Powder Springs N/A 10% Prohibited
College Park N/A 10% Prohibited
Fairburn N/A 10% Prohibited
St. Simons N/A 10% Prohibited
Moultrie N/A 10% Prohibited
Mountain Park CDP N/A 10% Prohibited
Covington N/A 10% Prohibited
Waycross N/A 10% Prohibited
Grovetown N/A 10% Prohibited
Georgetown N/A 10% Prohibited
Monroe N/A 10% Prohibited
Vinings N/A 10% Prohibited
Dallas N/A 10% Prohibited
Clarkston N/A 10% Prohibited
Lilburn N/A 10% Prohibited
Richmond Hill N/A 10% Prohibited
Bainbridge N/A 10% Prohibited
Loganville N/A 10% Prohibited
Douglas N/A 10% Prohibited
Holly Springs N/A 10% Prohibited
Cordele N/A 10% Prohibited
Cusseta-Chattahoochee County N/A 10% Prohibited
Scottdale N/A 10% Prohibited
Jefferson N/A 10% Prohibited
Panthersville N/A 10% Prohibited
Braselton N/A 10% Prohibited
Vidalia N/A 10% Prohibited
Doraville N/A 10% Prohibited
Cedartown N/A 10% Prohibited
Rincon N/A 10% Prohibited
Fort Oglethorpe N/A 10% Prohibited
Jesup N/A 10% Prohibited
Cairo N/A 10% Prohibited
Fort Stewart N/A 10% Prohibited
Fair Oaks N/A 10% Prohibited
Garden City N/A 10% Prohibited
Fitzgerald N/A 10% Prohibited
Thomaston N/A 10% Prohibited
Skidaway Island N/A 10% Prohibited
Fort Valley N/A 10% Prohibited
Gresham Park N/A 10% Prohibited
Irondale N/A 10% Prohibited
McRae-Helena N/A 10% Prohibited
Dock Junction N/A 10% Prohibited
Toccoa N/A 10% Prohibited
Druid Hills N/A 10% Prohibited
Country Club Estates N/A 10% Prohibited
Port Wentworth N/A 10% Prohibited
Centerville N/A 10% Prohibited
Hampton N/A 10% Prohibited
Swainsboro N/A 10% Prohibited
Auburn N/A 10% Prohibited
Austell N/A 10% Prohibited
Morrow N/A 10% Prohibited
Tyrone N/A 10% Prohibited
LaFayette N/A 10% Prohibited
Flowery Branch N/A 10% Prohibited
Whitemarsh Island N/A 10% Prohibited
Commerce N/A 10% Prohibited
Barnesville N/A 10% Prohibited
Thomson N/A 10% Prohibited
Hapeville N/A 10% Prohibited
Dahlonega N/A 10% Prohibited
Locust Grove N/A 10% Prohibited
Eatonton N/A 10% Prohibited
Fairview N/A 10% Prohibited
Lovejoy N/A 10% Prohibited
Bremen N/A 10% Prohibited
Stone Mountain N/A 10% Prohibited
Cumming N/A 10% Prohibited
Conley N/A 10% Prohibited
Sylvester N/A 10% Prohibited
Dacula N/A 10% Prohibited
Sandersville N/A 10% Prohibited
Waynesboro N/A 10% Prohibited
Hawkinsville N/A 10% Prohibited
Adel N/A 10% Prohibited
Eastman N/A 10% Prohibited
Lakeview N/A 10% Prohibited
Byron N/A 10% Prohibited
Palmetto N/A 10% Prohibited
Glennville N/A 10% Prohibited
Camilla N/A 10% Prohibited
Jackson N/A 10% Prohibited
Folkston N/A 10% Prohibited
Cochran N/A 10% Prohibited
Nashville N/A 10% Prohibited
Adairsville N/A 10% Prohibited
Jonesboro N/A 10% Prohibited
Baxley N/A 10% Prohibited
Blakely N/A 10% Prohibited
Montgomery N/A 10% Prohibited
Lindale N/A 10% Prohibited
Social Circle N/A 10% Prohibited
Hartwell N/A 10% Prohibited
Elberton N/A 10% Prohibited
Temple N/A 10% Prohibited
Summerville N/A 10% Prohibited
Lyons N/A 10% Prohibited
Cornelia N/A 10% Prohibited
Chatsworth N/A 10% Prohibited
Euharlee N/A 10% Prohibited
Rockmart N/A 10% Prohibited
Dawson N/A 10% Prohibited
Hazlehurst N/A 10% Prohibited
Senoia N/A 10% Prohibited
Oakwood N/A 10% Prohibited
Walthourville N/A 10% Prohibited
Forsyth N/A 10% Prohibited
Madison N/A 10% Prohibited
Rossville and Echols County consolidated government N/A 10% Prohibited
Metter N/A 10% Prohibited
Manchester N/A 10% Prohibited
Washington N/A 10% Prohibited
Hiram N/A 10% Prohibited
Nicholls N/A 10% Prohibited
Cleveland N/A 10% Prohibited
Jasper N/A 10% Prohibited
Quitman N/A 10% Prohibited
Vienna N/A 10% Prohibited
Chattanooga Valley N/A 10% Prohibited
Ashburn N/A 10% Prohibited
Wrightsville N/A 10% Prohibited
Grayson N/A 10% Prohibited
Unadilla N/A 10% Prohibited
Pelham N/A 10% Prohibited
Cuthbert N/A 10% Prohibited
Ringgold N/A 10% Prohibited
West Point N/A 10% Prohibited
Springfield N/A 10% Prohibited
Ocilla N/A 10% Prohibited
Blackshear N/A 10% Prohibited
Baldwin N/A 10% Prohibited
Alma N/A 10% Prohibited
Hardwick N/A 10% Prohibited
Bonanza N/A 10% Prohibited
Hannahs Mill N/A 10% Prohibited
Alamo N/A 10% Prohibited
Greensboro N/A 10% Prohibited
Kings Bay Base N/A 10% Prohibited
Lakeland N/A 10% Prohibited
Gray N/A 10% Prohibited
Grantville N/A 10% Prohibited
Heron Bay N/A 10% Prohibited
Chickamauga N/A 10% Prohibited
Avondale Estates N/A 10% Prohibited
Tallapoosa N/A 10% Prohibited
Montezuma N/A 10% Prohibited
Tybee Island N/A 10% Prohibited
Hogansville N/A 10% Prohibited
Soperton N/A 10% Prohibited
Harlem N/A 10% Prohibited

Car Title Loans in Georgia of February 2025

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 of February 2025

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

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 of February 2025

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 of February 2025

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 of February 2025

Name: APR: Amount:
Delta Community Credit Union 6.5% – 17.5% $500+
Georgia’s Own Credit Union 8.24%+ $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 to fund 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, located in Cherokee, Forsyth, Cobb, Fulton, etc.

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 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, located in Alpharetta, Atlanta, Conyers, Gainesville, etc.

All Licensed Credit Unions in Georgia of February 2025

Name: City: Size (Millions): Members:
DELTA COMMUNITY CREDIT UNION Atlanta $4,172.54 240689
GEORGIA’S OWN CREDIT UNION Atlanta $1,663.25 182585
ASSOCIATED CREDIT UNION Norcross $1,211.59 152349
ROBINS FEDERAL CREDIT UNION Warner Robins $1,592.14 140372
GEORGIA UNITED CREDIT UNION Duluth $893.02 115774
ATLANTA POSTAL CREDIT UNION Atlanta $1,972.91 99964
LGE COMMUNITY CREDIT UNION Marietta $828.16 98872
TIC FEDERAL CREDIT UNION Columbus $244.24 40412
DOCO REGIONAL CREDIT UNION Albany $172.61 35910
GWINNETT FEDERAL CREDIT UNION Lawrenceville $185.03 34346
CREDIT UNION OF GEORGIA Woodstock $185.57 33154
THE SOUTHERN FEDERAL CREDIT UNION Fayetteville $294.40 32147
MIDSOUTH COMMUNITY FEDERAL CREDIT UNION Macon $163.12 32094
COOSA VALLEY FEDERAL CREDIT UNION Rome $157.88 24202
GEOVISTA FEDERAL CREDIT UNION Hinesville $100.98 23832
SOUTHEASTERN FEDERAL CREDIT UNION Valdosta $159.73 23297
POWERCO FEDERAL CREDIT UNION Atlanta $174.17 21236
EMORY ALLIANCE CREDIT UNION Decatur $129.92 18940
UNITED 1ST FEDERAL CREDIT UNION Kingsland $105.56 17735
AFLAC FEDERAL CREDIT UNION Columbus $169.06 17287
CDC FEDERAL CREDIT UNION Atlanta $240.50 17198
MARSHLAND COMMUNITY FEDERAL CREDIT UNION Brunswick $118.36 16289
CREDIT UNION OF ATLANTA Atlanta $75.78 16194
MEMBERSFIRST CREDIT UNION Decatur $97.73 15927
THE COCA-COLA COMPANY FAMILY FEDERAL CREDIT UNION Atlanta $159.65 12973
GEMC FEDERAL CREDIT UNION Atlanta $81.11 12971
EXCEL FEDERAL CREDIT UNION Norcross $86.51 12852
AUGUSTA METRO FEDERAL CREDIT UNION Augusta $62.38 12709
NORTHWEST GEORGIA CREDIT UNION Rome $58.25 12621
PINNACLE CREDIT UNION Atlanta $86.14 12605
FULTON TEACHERS CREDIT UNION Hapeville $85.13 10835
INTERSTATE UNLIMITED FEDERAL CREDIT UNION Jesup $64.78 10623
HALLCO COMMUNITY CREDIT UNION Gainesville $46.13 10149
ALTAMAHA FEDERAL CREDIT UNION Jesup $54.59 10115
CGR CREDIT UNION Macon $53.40 10077
AUGUSTA VAH FEDERAL CREDIT UNION Augusta $59.17 9991
1ST CHOICE CREDIT UNION Atlanta $24.10 9231
HEALTH CENTER CREDIT UNION Augusta $46.11 8923
GEORGIA POWER FEDERAL CREDIT UNION Atlanta $41.31 8461
ROSE CITY FEDERAL CREDIT UNION Thomasville $24.48 8274
PIEDMONT HOSPITAL FEDERAL CREDIT UNION Atlanta $31.36 8197
M E A FEDERAL CREDIT UNION Columbus $62.60 8189
GEORGIA HERITAGE FEDERAL CREDIT UNION Savannah $77.09 8020
GEORGIA POWER NORTHWEST FEDERAL CREDIT UNION Rome $42.34 7921
CORE CREDIT UNION Statesboro $48.91 7692
FORT GORDON AND COMMUNITY CREDIT UNION Fort Gordon $55.63 7388
NORTH GEORGIA CREDIT UNION Toccoa $43.43 6983
MUTUAL SAVINGS CREDIT UNION Atlanta $67.15 6226
ALBANY FEDERAL EMP. CREDIT UNION Albany $41.95 6170
UNIVERSITY HEALTH FEDERAL CREDIT UNION Augusta $19.26 6093
PLATINUM FEDERAL CREDIT UNION Lilburn $35.44 5988
PEACH STATE FEDERAL CREDIT UNION Avondale Estates $14.50 5803
FLOWERS EMPLOYEES CREDIT LEAGUE CREDIT UNION Thomasville $22.51 5696
FIDELITY FEDERAL CREDIT UNION Sandy Springs $24.21 5602
FORT MCPHERSON CREDIT UNION Atlanta $22.07 5255
HUMAN SERVICES EMPLOYEES’ CREDIT UNION Atlanta $23.24 5137
B.O.N.D. COMMUNITY FEDERAL CREDIT UNION Atlanta $37.25 5025
MEMBERS ALLIANCE FEDERAL CREDIT UNION Columbus $26.32 4931
GEORGIA FLORIDA UNITED METHODIST FEDERAL CREDIT UNION Marietta $26.60 4573
COMBINED EMPLOYEES CREDIT UNION Warner Robins $8.62 4401
THREE RIVERS CREDIT UNION Bainbridge $10.44 4333
MEMORIAL HEALTH CREDIT UNION Savannah $15.55 4244
H E A FEDERAL CREDIT UNION Warner Robins $22.19 4033
RICHMOND COMMUNITY FEDERAL CREDIT UNION Augusta $17.94 3988
COWETA CITIES & COUNTY EMPLOYEES FEDERAL CREDIT UNION Newnan $14.96 3838
ETOWAH VALLEY FEDERAL CREDIT UNION Cartersville $19.99 3738
CHATHAM FEDERAL CREDIT UNION Savannah $21.76 3679
LANIER FEDERAL CREDIT UNION Oakwood $21.93 3621
NORTHSIDE FEDERAL CREDIT UNION Atlanta $10.93 3595
SAVANNAH SCHOOLS FEDERAL CREDIT UNION Savannah $25.92 3540
FREDERICA CREDIT UNION Brunswick $38.19 3416
COMMUNITY UNITED FEDERAL CREDIT UNION Waycross $15.31 3170
GEORGIA POWER VALDOSTA FEDERAL CREDIT UNION Valdosta $23.75 3168
PETROLEUM ASSOCIATES FEDERAL CREDIT UNION Duluth $37.33 2926
RCT FEDERAL CREDIT UNION Augusta $5.24 2864
CENTRAL STATE HOSPITAL CREDIT UNION Milledgeville $10.45 2828
GEORGIA DEPT OF PUB SAFETY CREDIT UNION Atlanta $13.56 2736
NASHVILLE CREDIT UNION Nashville $12.19 2686
ATLANTA FEDERAL CREDIT UNION Atlanta $9.26 2609
HABERSHAM FEDERAL CREDIT UNION Clarkesville $12.31 2576
ARTESIAN CITY FEDERAL CREDIT UNION Albany $14.05 2313
SAVANNAH POSTAL CREDIT UNION Savannah $16.20 2266
FIRST RELIANCE FEDERAL CREDIT UNION Athens $11.11 2247
HEALTHCOM FEDERAL CREDIT UNION Dalton $10.15 2142
SOUTHERN PINE CREDIT UNION Valdosta $40.55 2132
CATOOSA TEACHERS FEDERAL CREDIT UNION Ringgold $11.84 2087
GEORGIA PINE FEDERAL CREDIT UNION Brunswick $22.19 2054
SAVANNAH FEDERAL CREDIT UNION Savannah $19.66 1981
VALDOSTA TEACHERS FEDERAL CREDIT UNION Valdosta $9.70 1949
FIELDALE CREDIT UNION Baldwin $8.58 1873
ROME KRAFT EMPLOYEES CREDIT UNION Coosa $17.05 1833
MERCY FEDERAL CREDIT UNION Savannah $4.91 1781
MEMBERS UNITED CREDIT UNION Columbus $11.17 1700
STEPHENS-FRANKLIN TEACHERS FEDERAL CREDIT UNION Toccoa $19.15 1695
CITY EMPLOYEES CREDIT UNION Macon $2.70 1629
THE WRIGHT CREDIT UNION Toccoa $12.41 1628
AUGUSTA SEABOARD COMMUNITY FEDERAL CREDIT UNION Augusta $7.13 1546
COLQUITT COUNTY TEACHER FEDERAL CREDIT UNION Moultrie $5.04 1497
GEORGIA COASTAL FEDERAL CREDIT UNION Brunswick $10.25 1490
G. P. A. CREDIT UNION Savannah $12.96 1445
ATLANTA TEACHERS FEDERAL CREDIT UNION Atlanta $7.25 1439
GLYNN COUNTY FEDERAL EMPLOYEES CREDIT UNION Brunswick $17.57 1435
SPC FEDERAL CREDIT UNION Atlanta $1.12 1291
REGIONAL MEMBERS FEDERAL CREDIT UNION Columbus $7.15 1289
MEAD EMPLOYEES’ CREDIT UNION Atlanta $4.31 1242
WALKER COUNTY EDUCATORS FEDERAL CREDIT UNION Lafayette $7.91 1237
COFFEE COUNTY TEACHERS FEDERAL CREDIT UNION Douglas $3.35 1204
WORKMEN’S CIRCLE INCORPORATED CREDIT UNION Savannah $48.78 1174
LOCOGA FEDERAL CREDIT UNION Valdosta $6.40 1165
ETHICON CREDIT UNION Cornelia $10.05 1156
GEORGIA GUARD CREDIT UNION Macon $4.15 1132
BEKA FEDERAL CREDIT UNION Lindale $7.37 1129
HUTCHESON FEDERAL CREDIT UNION Fort Oglethorpe $5.09 1117
GENUINE PARTS CREDIT UNION Norcross $8.41 1001
GDC FEDERAL CREDIT UNION Newnan $3.31 998
GEORGIA POWER MACON FEDERAL CREDIT UNION Macon $3.28 958
MULTIPLE EMPLOYEE GROUP FEDERAL CREDIT UNION Thomasville $4.14 950
CRMC EMPLOYEES CREDIT UNION Douglas $2.26 880
OMEGA PSI PHI FRATERNITY FEDERAL CREDIT UNION Suwanee $0.70 843
MOULTRIE EMPLOYEES FEDERAL CREDIT UNION Moultrie $2.32 842
RIG EMPLOYEES CREDIT UNION Macon $7.03 814
BROSNAN YARD FEDERAL CREDIT UNION Macon $3.01 787
JEFF DAVIS CREDIT UNION Hazlehurst $4.99 783
WARE COUNTY SCHOOL EMPLOYEES FEDERAL CREDIT UNION Waycross $5.08 776
FLINT FEDERAL CREDIT UNION Reynolds $2.93 769
E L C O FEDERAL CREDIT UNION Elberton $3.05 742
MACON FIREMEN’S CREDIT UNION Macon $3.76 696
SAVASTATE TEACHERS FEDERAL CREDIT UNION Savannah $4.25 672
ROPER CORPORATION EMPLOYEES CREDIT UNION Lafayette $1.45 670
FLOYD COUNTY POSTAL EMP CREDIT UNION Rome $5.12 663
UNITED NEIGHBORHOOD FEDERAL CREDIT UNION Augusta $1.29 637
LOCAL 461 FEDERAL CREDIT UNION Macon $0.97 547
TOWNS-UNION EDUCATORS’ FEDERAL CREDIT UNION Young Harris $2.50 534
PATTERSON PUMP FEDERAL CREDIT UNION Toccoa $2.29 450
BIG BETHEL A.M.E. CHURCH FEDERAL CREDIT UNION Atlanta $0.22 381
HARRIS EMPLOYEES CREDIT UNION Cordele $2.23 378
MACON POLICE CREDIT UNION Macon $0.38 344
SMITH AND SONS EMPLOYEES CREDIT UNION Macon $0.32 328
FLINT RIVER EMPLOYEES FEDERAL CREDIT UNION Oglethorpe $1.94 325
F A B CHURCH FEDERAL CREDIT UNION Savannah $0.23 297
BERRIEN TEACHERS FEDERAL CREDIT UNION Nashville $1.17 258
DAIRY-PAK ATHENS CREDIT UNION Athens $0.28 248
RICHMOND CTY HEALTH DEPT.EMP. CREDIT UNION Augusta $0.36 242
TABERNACLE FEDERAL CREDIT UNION Augusta $0.22 238
MACON WATER WORKS CREDIT UNION Macon $1.08 188
STEPHENS COUNTY COMMUNITY FEDERAL CREDIT UNION Toccoa $0.16 179
RABUN-TALLULAH FEDERAL CREDIT UNION Tiger $0.52 176
GOLDEN FEDERAL CREDIT UNION Columbus $0.44 171
PINEY GROVE COMMUNITY FEDERAL CREDIT UNION Swainsboro $0.05 64

Student Loans in Georgia of February 2025

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.
  • Comply 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 of February 2025

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.

County: Single 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 of February 2025

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 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’s 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. Loans of up to $3,000 have capped interest rates that help borrowers avoid a cycle of debt. However, because they’re categorized as pawnbrokers, car title lenders can 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 over $3,000, the typical APR is 59%. And while still on the high side, it’s a great option if other lenders have turned you down.

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