$1,000 - $100,000
CS: 0 • 5.94% - 35.99%
Best Loans in Georgia, Payday, Auto Title Laws of September 2026
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Loans By State •
Last Update: September 1, 2026
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$100 - $40,000
CS: 0 • 5.99% - 35.99%
$1,000 - $100,000
CS: 0 • 5.94% - 35.99%
$100 - $20,000
CS: 0 • 5.99% - 35.99%
$200 - $5,000
CS: 0 • 5.99% - 35.99%
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 September 2026
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For a list of other great lenders, see our complete guide on bad credit loans.
Best Personal Loans for Good Credit in Georgia of September 2026
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Payday Loan Laws in Georgia of September 2026
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 September 2026
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: |
|---|---|---|---|
| City:Atlanta | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Augusta-Richmond County | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Columbus | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Macon-Bibb County | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Savannah | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Athens-Clarke County | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Sandy Springs | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:South Fulton | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Roswell | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Johns Creek | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Warner Robins | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Albany | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Alpharetta | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Marietta | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Valdosta | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Smyrna | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Stonecrest | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Brookhaven | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Dunwoody | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Peachtree Corners | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Mableton | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Gainesville | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Milton | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Newnan | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Rome | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Martinez | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Tucker | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Peachtree City | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:East Point | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Evans | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Kennesaw | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Dalton | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Hinesville | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Douglasville | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Redan | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Statesboro | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:LaGrange | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Woodstock | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Lawrenceville | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Duluth | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Chamblee | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Stockbridge | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Canton | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Carrollton | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:McDonough | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Candler-McAfee | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Pooler | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Decatur | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Griffin | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Acworth | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Sugar Hill | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Union City | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Cartersville | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Snellville | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Forest Park | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Suwanee | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Milledgeville | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Thomasville | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:St. Marys | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Fayetteville | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:North Decatur | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:North Druid Hills | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Lithia Springs | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Kingsland | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Calhoun | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Tifton | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Norcross | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Riverdale | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Brunswick | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Perry | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Conyers | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Dublin | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Winder | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Americus | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Belvedere Park | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Wilmington Island | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Buford | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Villa Rica | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Powder Springs | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:College Park | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Fairburn | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:St. Simons | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Moultrie | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Mountain Park CDP | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Covington | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Waycross | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Grovetown | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Georgetown | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Monroe | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Vinings | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Dallas | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Clarkston | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Lilburn | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Richmond Hill | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Bainbridge | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Loganville | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Douglas | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Holly Springs | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Cordele | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Cusseta-Chattahoochee County | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Scottdale | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Jefferson | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Panthersville | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Braselton | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Vidalia | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Doraville | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Cedartown | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Rincon | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Fort Oglethorpe | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Jesup | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Cairo | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Fort Stewart | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Fair Oaks | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Garden City | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Fitzgerald | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Thomaston | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Skidaway Island | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Fort Valley | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Gresham Park | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Irondale | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:McRae-Helena | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Dock Junction | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Toccoa | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Druid Hills | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Country Club Estates | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Port Wentworth | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Centerville | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Hampton | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Swainsboro | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Auburn | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Austell | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Morrow | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Tyrone | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:LaFayette | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Flowery Branch | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Whitemarsh Island | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Commerce | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Barnesville | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Thomson | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Hapeville | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Dahlonega | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Locust Grove | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Eatonton | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Fairview | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Lovejoy | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Bremen | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Stone Mountain | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Cumming | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Conley | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Sylvester | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Dacula | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Sandersville | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Waynesboro | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Hawkinsville | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Adel | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Eastman | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Lakeview | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Byron | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Palmetto | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Glennville | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Camilla | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Jackson | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Folkston | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Cochran | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Nashville | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Adairsville | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Jonesboro | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Baxley | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Blakely | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Montgomery | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Lindale | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Social Circle | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Hartwell | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Elberton | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Temple | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Summerville | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Lyons | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Cornelia | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Chatsworth | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Euharlee | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Rockmart | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Dawson | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Hazlehurst | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Senoia | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Oakwood | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Walthourville | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Forsyth | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Madison | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Rossville and Echols County consolidated government | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Metter | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Manchester | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Washington | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Hiram | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Nicholls | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Cleveland | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Jasper | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Quitman | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Vienna | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Chattanooga Valley | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Ashburn | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Wrightsville | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Grayson | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Unadilla | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Pelham | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Cuthbert | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Ringgold | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:West Point | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Springfield | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Ocilla | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Blackshear | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Baldwin | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Alma | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Hardwick | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Bonanza | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Hannahs Mill | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Alamo | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Greensboro | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Kings Bay Base | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Lakeland | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Gray | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Grantville | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Heron Bay | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Chickamauga | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Avondale Estates | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Tallapoosa | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Montezuma | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Tybee Island | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Hogansville | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Soperton | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
| City:Harlem | Amount Allowed:N/A | APR Allowed:10% | Status:Prohibited |
Car Title Loans in Georgia of September 2026
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 September 2026
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 September 2026
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Best Auto Loans for Good Credit in Georgia of September 2026
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Credit Unions in Georgia of September 2026
| Name: | APR: | Amount: |
|---|---|---|
| Name:Delta Community Credit Union | APR:6.5% – 17.5% | Amount:$500+ |
| Name:Georgia’s Own Credit Union | APR:8.24%+ | Amount:$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 September 2026
| Name: | City: | Size (Millions): | Members: |
|---|---|---|---|
| Name:DELTA COMMUNITY CREDIT UNION | City:Atlanta | Size (Millions):$4,172.54 | Members:240689 |
| Name:GEORGIA’S OWN CREDIT UNION | City:Atlanta | Size (Millions):$1,663.25 | Members:182585 |
| Name:ASSOCIATED CREDIT UNION | City:Norcross | Size (Millions):$1,211.59 | Members:152349 |
| Name:ROBINS FEDERAL CREDIT UNION | City:Warner Robins | Size (Millions):$1,592.14 | Members:140372 |
| Name:GEORGIA UNITED CREDIT UNION | City:Duluth | Size (Millions):$893.02 | Members:115774 |
| Name:ATLANTA POSTAL CREDIT UNION | City:Atlanta | Size (Millions):$1,972.91 | Members:99964 |
| Name:LGE COMMUNITY CREDIT UNION | City:Marietta | Size (Millions):$828.16 | Members:98872 |
| Name:TIC FEDERAL CREDIT UNION | City:Columbus | Size (Millions):$244.24 | Members:40412 |
| Name:DOCO REGIONAL CREDIT UNION | City:Albany | Size (Millions):$172.61 | Members:35910 |
| Name:GWINNETT FEDERAL CREDIT UNION | City:Lawrenceville | Size (Millions):$185.03 | Members:34346 |
| Name:CREDIT UNION OF GEORGIA | City:Woodstock | Size (Millions):$185.57 | Members:33154 |
| Name:THE SOUTHERN FEDERAL CREDIT UNION | City:Fayetteville | Size (Millions):$294.40 | Members:32147 |
| Name:MIDSOUTH COMMUNITY FEDERAL CREDIT UNION | City:Macon | Size (Millions):$163.12 | Members:32094 |
| Name:COOSA VALLEY FEDERAL CREDIT UNION | City:Rome | Size (Millions):$157.88 | Members:24202 |
| Name:GEOVISTA FEDERAL CREDIT UNION | City:Hinesville | Size (Millions):$100.98 | Members:23832 |
| Name:SOUTHEASTERN FEDERAL CREDIT UNION | City:Valdosta | Size (Millions):$159.73 | Members:23297 |
| Name:POWERCO FEDERAL CREDIT UNION | City:Atlanta | Size (Millions):$174.17 | Members:21236 |
| Name:EMORY ALLIANCE CREDIT UNION | City:Decatur | Size (Millions):$129.92 | Members:18940 |
| Name:UNITED 1ST FEDERAL CREDIT UNION | City:Kingsland | Size (Millions):$105.56 | Members:17735 |
| Name:AFLAC FEDERAL CREDIT UNION | City:Columbus | Size (Millions):$169.06 | Members:17287 |
| Name:CDC FEDERAL CREDIT UNION | City:Atlanta | Size (Millions):$240.50 | Members:17198 |
| Name:MARSHLAND COMMUNITY FEDERAL CREDIT UNION | City:Brunswick | Size (Millions):$118.36 | Members:16289 |
| Name:CREDIT UNION OF ATLANTA | City:Atlanta | Size (Millions):$75.78 | Members:16194 |
| Name:MEMBERSFIRST CREDIT UNION | City:Decatur | Size (Millions):$97.73 | Members:15927 |
| Name:THE COCA-COLA COMPANY FAMILY FEDERAL CREDIT UNION | City:Atlanta | Size (Millions):$159.65 | Members:12973 |
| Name:GEMC FEDERAL CREDIT UNION | City:Atlanta | Size (Millions):$81.11 | Members:12971 |
| Name:EXCEL FEDERAL CREDIT UNION | City:Norcross | Size (Millions):$86.51 | Members:12852 |
| Name:AUGUSTA METRO FEDERAL CREDIT UNION | City:Augusta | Size (Millions):$62.38 | Members:12709 |
| Name:NORTHWEST GEORGIA CREDIT UNION | City:Rome | Size (Millions):$58.25 | Members:12621 |
| Name:PINNACLE CREDIT UNION | City:Atlanta | Size (Millions):$86.14 | Members:12605 |
| Name:FULTON TEACHERS CREDIT UNION | City:Hapeville | Size (Millions):$85.13 | Members:10835 |
| Name:INTERSTATE UNLIMITED FEDERAL CREDIT UNION | City:Jesup | Size (Millions):$64.78 | Members:10623 |
| Name:HALLCO COMMUNITY CREDIT UNION | City:Gainesville | Size (Millions):$46.13 | Members:10149 |
| Name:ALTAMAHA FEDERAL CREDIT UNION | City:Jesup | Size (Millions):$54.59 | Members:10115 |
| Name:CGR CREDIT UNION | City:Macon | Size (Millions):$53.40 | Members:10077 |
| Name:AUGUSTA VAH FEDERAL CREDIT UNION | City:Augusta | Size (Millions):$59.17 | Members:9991 |
| Name:1ST CHOICE CREDIT UNION | City:Atlanta | Size (Millions):$24.10 | Members:9231 |
| Name:HEALTH CENTER CREDIT UNION | City:Augusta | Size (Millions):$46.11 | Members:8923 |
| Name:GEORGIA POWER FEDERAL CREDIT UNION | City:Atlanta | Size (Millions):$41.31 | Members:8461 |
| Name:ROSE CITY FEDERAL CREDIT UNION | City:Thomasville | Size (Millions):$24.48 | Members:8274 |
| Name:PIEDMONT HOSPITAL FEDERAL CREDIT UNION | City:Atlanta | Size (Millions):$31.36 | Members:8197 |
| Name:M E A FEDERAL CREDIT UNION | City:Columbus | Size (Millions):$62.60 | Members:8189 |
| Name:GEORGIA HERITAGE FEDERAL CREDIT UNION | City:Savannah | Size (Millions):$77.09 | Members:8020 |
| Name:GEORGIA POWER NORTHWEST FEDERAL CREDIT UNION | City:Rome | Size (Millions):$42.34 | Members:7921 |
| Name:CORE CREDIT UNION | City:Statesboro | Size (Millions):$48.91 | Members:7692 |
| Name:FORT GORDON AND COMMUNITY CREDIT UNION | City:Fort Gordon | Size (Millions):$55.63 | Members:7388 |
| Name:NORTH GEORGIA CREDIT UNION | City:Toccoa | Size (Millions):$43.43 | Members:6983 |
| Name:MUTUAL SAVINGS CREDIT UNION | City:Atlanta | Size (Millions):$67.15 | Members:6226 |
| Name:ALBANY FEDERAL EMP. CREDIT UNION | City:Albany | Size (Millions):$41.95 | Members:6170 |
| Name:UNIVERSITY HEALTH FEDERAL CREDIT UNION | City:Augusta | Size (Millions):$19.26 | Members:6093 |
| Name:PLATINUM FEDERAL CREDIT UNION | City:Lilburn | Size (Millions):$35.44 | Members:5988 |
| Name:PEACH STATE FEDERAL CREDIT UNION | City:Avondale Estates | Size (Millions):$14.50 | Members:5803 |
| Name:FLOWERS EMPLOYEES CREDIT LEAGUE CREDIT UNION | City:Thomasville | Size (Millions):$22.51 | Members:5696 |
| Name:FIDELITY FEDERAL CREDIT UNION | City:Sandy Springs | Size (Millions):$24.21 | Members:5602 |
| Name:FORT MCPHERSON CREDIT UNION | City:Atlanta | Size (Millions):$22.07 | Members:5255 |
| Name:HUMAN SERVICES EMPLOYEES’ CREDIT UNION | City:Atlanta | Size (Millions):$23.24 | Members:5137 |
| Name:B.O.N.D. COMMUNITY FEDERAL CREDIT UNION | City:Atlanta | Size (Millions):$37.25 | Members:5025 |
| Name:MEMBERS ALLIANCE FEDERAL CREDIT UNION | City:Columbus | Size (Millions):$26.32 | Members:4931 |
| Name:GEORGIA FLORIDA UNITED METHODIST FEDERAL CREDIT UNION | City:Marietta | Size (Millions):$26.60 | Members:4573 |
| Name:COMBINED EMPLOYEES CREDIT UNION | City:Warner Robins | Size (Millions):$8.62 | Members:4401 |
| Name:THREE RIVERS CREDIT UNION | City:Bainbridge | Size (Millions):$10.44 | Members:4333 |
| Name:MEMORIAL HEALTH CREDIT UNION | City:Savannah | Size (Millions):$15.55 | Members:4244 |
| Name:H E A FEDERAL CREDIT UNION | City:Warner Robins | Size (Millions):$22.19 | Members:4033 |
| Name:RICHMOND COMMUNITY FEDERAL CREDIT UNION | City:Augusta | Size (Millions):$17.94 | Members:3988 |
| Name:COWETA CITIES & COUNTY EMPLOYEES FEDERAL CREDIT UNION | City:Newnan | Size (Millions):$14.96 | Members:3838 |
| Name:ETOWAH VALLEY FEDERAL CREDIT UNION | City:Cartersville | Size (Millions):$19.99 | Members:3738 |
| Name:CHATHAM FEDERAL CREDIT UNION | City:Savannah | Size (Millions):$21.76 | Members:3679 |
| Name:LANIER FEDERAL CREDIT UNION | City:Oakwood | Size (Millions):$21.93 | Members:3621 |
| Name:NORTHSIDE FEDERAL CREDIT UNION | City:Atlanta | Size (Millions):$10.93 | Members:3595 |
| Name:SAVANNAH SCHOOLS FEDERAL CREDIT UNION | City:Savannah | Size (Millions):$25.92 | Members:3540 |
| Name:FREDERICA CREDIT UNION | City:Brunswick | Size (Millions):$38.19 | Members:3416 |
| Name:COMMUNITY UNITED FEDERAL CREDIT UNION | City:Waycross | Size (Millions):$15.31 | Members:3170 |
| Name:GEORGIA POWER VALDOSTA FEDERAL CREDIT UNION | City:Valdosta | Size (Millions):$23.75 | Members:3168 |
| Name:PETROLEUM ASSOCIATES FEDERAL CREDIT UNION | City:Duluth | Size (Millions):$37.33 | Members:2926 |
| Name:RCT FEDERAL CREDIT UNION | City:Augusta | Size (Millions):$5.24 | Members:2864 |
| Name:CENTRAL STATE HOSPITAL CREDIT UNION | City:Milledgeville | Size (Millions):$10.45 | Members:2828 |
| Name:GEORGIA DEPT OF PUB SAFETY CREDIT UNION | City:Atlanta | Size (Millions):$13.56 | Members:2736 |
| Name:NASHVILLE CREDIT UNION | City:Nashville | Size (Millions):$12.19 | Members:2686 |
| Name:ATLANTA FEDERAL CREDIT UNION | City:Atlanta | Size (Millions):$9.26 | Members:2609 |
| Name:HABERSHAM FEDERAL CREDIT UNION | City:Clarkesville | Size (Millions):$12.31 | Members:2576 |
| Name:ARTESIAN CITY FEDERAL CREDIT UNION | City:Albany | Size (Millions):$14.05 | Members:2313 |
| Name:SAVANNAH POSTAL CREDIT UNION | City:Savannah | Size (Millions):$16.20 | Members:2266 |
| Name:FIRST RELIANCE FEDERAL CREDIT UNION | City:Athens | Size (Millions):$11.11 | Members:2247 |
| Name:HEALTHCOM FEDERAL CREDIT UNION | City:Dalton | Size (Millions):$10.15 | Members:2142 |
| Name:SOUTHERN PINE CREDIT UNION | City:Valdosta | Size (Millions):$40.55 | Members:2132 |
| Name:CATOOSA TEACHERS FEDERAL CREDIT UNION | City:Ringgold | Size (Millions):$11.84 | Members:2087 |
| Name:GEORGIA PINE FEDERAL CREDIT UNION | City:Brunswick | Size (Millions):$22.19 | Members:2054 |
| Name:SAVANNAH FEDERAL CREDIT UNION | City:Savannah | Size (Millions):$19.66 | Members:1981 |
| Name:VALDOSTA TEACHERS FEDERAL CREDIT UNION | City:Valdosta | Size (Millions):$9.70 | Members:1949 |
| Name:FIELDALE CREDIT UNION | City:Baldwin | Size (Millions):$8.58 | Members:1873 |
| Name:ROME KRAFT EMPLOYEES CREDIT UNION | City:Coosa | Size (Millions):$17.05 | Members:1833 |
| Name:MERCY FEDERAL CREDIT UNION | City:Savannah | Size (Millions):$4.91 | Members:1781 |
| Name:MEMBERS UNITED CREDIT UNION | City:Columbus | Size (Millions):$11.17 | Members:1700 |
| Name:STEPHENS-FRANKLIN TEACHERS FEDERAL CREDIT UNION | City:Toccoa | Size (Millions):$19.15 | Members:1695 |
| Name:CITY EMPLOYEES CREDIT UNION | City:Macon | Size (Millions):$2.70 | Members:1629 |
| Name:THE WRIGHT CREDIT UNION | City:Toccoa | Size (Millions):$12.41 | Members:1628 |
| Name:AUGUSTA SEABOARD COMMUNITY FEDERAL CREDIT UNION | City:Augusta | Size (Millions):$7.13 | Members:1546 |
| Name:COLQUITT COUNTY TEACHER FEDERAL CREDIT UNION | City:Moultrie | Size (Millions):$5.04 | Members:1497 |
| Name:GEORGIA COASTAL FEDERAL CREDIT UNION | City:Brunswick | Size (Millions):$10.25 | Members:1490 |
| Name:G. P. A. CREDIT UNION | City:Savannah | Size (Millions):$12.96 | Members:1445 |
| Name:ATLANTA TEACHERS FEDERAL CREDIT UNION | City:Atlanta | Size (Millions):$7.25 | Members:1439 |
| Name:GLYNN COUNTY FEDERAL EMPLOYEES CREDIT UNION | City:Brunswick | Size (Millions):$17.57 | Members:1435 |
| Name:SPC FEDERAL CREDIT UNION | City:Atlanta | Size (Millions):$1.12 | Members:1291 |
| Name:REGIONAL MEMBERS FEDERAL CREDIT UNION | City:Columbus | Size (Millions):$7.15 | Members:1289 |
| Name:MEAD EMPLOYEES’ CREDIT UNION | City:Atlanta | Size (Millions):$4.31 | Members:1242 |
| Name:WALKER COUNTY EDUCATORS FEDERAL CREDIT UNION | City:Lafayette | Size (Millions):$7.91 | Members:1237 |
| Name:COFFEE COUNTY TEACHERS FEDERAL CREDIT UNION | City:Douglas | Size (Millions):$3.35 | Members:1204 |
| Name:WORKMEN’S CIRCLE INCORPORATED CREDIT UNION | City:Savannah | Size (Millions):$48.78 | Members:1174 |
| Name:LOCOGA FEDERAL CREDIT UNION | City:Valdosta | Size (Millions):$6.40 | Members:1165 |
| Name:ETHICON CREDIT UNION | City:Cornelia | Size (Millions):$10.05 | Members:1156 |
| Name:GEORGIA GUARD CREDIT UNION | City:Macon | Size (Millions):$4.15 | Members:1132 |
| Name:BEKA FEDERAL CREDIT UNION | City:Lindale | Size (Millions):$7.37 | Members:1129 |
| Name:HUTCHESON FEDERAL CREDIT UNION | City:Fort Oglethorpe | Size (Millions):$5.09 | Members:1117 |
| Name:GENUINE PARTS CREDIT UNION | City:Norcross | Size (Millions):$8.41 | Members:1001 |
| Name:GDC FEDERAL CREDIT UNION | City:Newnan | Size (Millions):$3.31 | Members:998 |
| Name:GEORGIA POWER MACON FEDERAL CREDIT UNION | City:Macon | Size (Millions):$3.28 | Members:958 |
| Name:MULTIPLE EMPLOYEE GROUP FEDERAL CREDIT UNION | City:Thomasville | Size (Millions):$4.14 | Members:950 |
| Name:CRMC EMPLOYEES CREDIT UNION | City:Douglas | Size (Millions):$2.26 | Members:880 |
| Name:OMEGA PSI PHI FRATERNITY FEDERAL CREDIT UNION | City:Suwanee | Size (Millions):$0.70 | Members:843 |
| Name:MOULTRIE EMPLOYEES FEDERAL CREDIT UNION | City:Moultrie | Size (Millions):$2.32 | Members:842 |
| Name:RIG EMPLOYEES CREDIT UNION | City:Macon | Size (Millions):$7.03 | Members:814 |
| Name:BROSNAN YARD FEDERAL CREDIT UNION | City:Macon | Size (Millions):$3.01 | Members:787 |
| Name:JEFF DAVIS CREDIT UNION | City:Hazlehurst | Size (Millions):$4.99 | Members:783 |
| Name:WARE COUNTY SCHOOL EMPLOYEES FEDERAL CREDIT UNION | City:Waycross | Size (Millions):$5.08 | Members:776 |
| Name:FLINT FEDERAL CREDIT UNION | City:Reynolds | Size (Millions):$2.93 | Members:769 |
| Name:E L C O FEDERAL CREDIT UNION | City:Elberton | Size (Millions):$3.05 | Members:742 |
| Name:MACON FIREMEN’S CREDIT UNION | City:Macon | Size (Millions):$3.76 | Members:696 |
| Name:SAVASTATE TEACHERS FEDERAL CREDIT UNION | City:Savannah | Size (Millions):$4.25 | Members:672 |
| Name:ROPER CORPORATION EMPLOYEES CREDIT UNION | City:Lafayette | Size (Millions):$1.45 | Members:670 |
| Name:FLOYD COUNTY POSTAL EMP CREDIT UNION | City:Rome | Size (Millions):$5.12 | Members:663 |
| Name:UNITED NEIGHBORHOOD FEDERAL CREDIT UNION | City:Augusta | Size (Millions):$1.29 | Members:637 |
| Name:LOCAL 461 FEDERAL CREDIT UNION | City:Macon | Size (Millions):$0.97 | Members:547 |
| Name:TOWNS-UNION EDUCATORS’ FEDERAL CREDIT UNION | City:Young Harris | Size (Millions):$2.50 | Members:534 |
| Name:PATTERSON PUMP FEDERAL CREDIT UNION | City:Toccoa | Size (Millions):$2.29 | Members:450 |
| Name:BIG BETHEL A.M.E. CHURCH FEDERAL CREDIT UNION | City:Atlanta | Size (Millions):$0.22 | Members:381 |
| Name:HARRIS EMPLOYEES CREDIT UNION | City:Cordele | Size (Millions):$2.23 | Members:378 |
| Name:MACON POLICE CREDIT UNION | City:Macon | Size (Millions):$0.38 | Members:344 |
| Name:SMITH AND SONS EMPLOYEES CREDIT UNION | City:Macon | Size (Millions):$0.32 | Members:328 |
| Name:FLINT RIVER EMPLOYEES FEDERAL CREDIT UNION | City:Oglethorpe | Size (Millions):$1.94 | Members:325 |
| Name:F A B CHURCH FEDERAL CREDIT UNION | City:Savannah | Size (Millions):$0.23 | Members:297 |
| Name:BERRIEN TEACHERS FEDERAL CREDIT UNION | City:Nashville | Size (Millions):$1.17 | Members:258 |
| Name:DAIRY-PAK ATHENS CREDIT UNION | City:Athens | Size (Millions):$0.28 | Members:248 |
| Name:RICHMOND CTY HEALTH DEPT.EMP. CREDIT UNION | City:Augusta | Size (Millions):$0.36 | Members:242 |
| Name:TABERNACLE FEDERAL CREDIT UNION | City:Augusta | Size (Millions):$0.22 | Members:238 |
| Name:MACON WATER WORKS CREDIT UNION | City:Macon | Size (Millions):$1.08 | Members:188 |
| Name:STEPHENS COUNTY COMMUNITY FEDERAL CREDIT UNION | City:Toccoa | Size (Millions):$0.16 | Members:179 |
| Name:RABUN-TALLULAH FEDERAL CREDIT UNION | City:Tiger | Size (Millions):$0.52 | Members:176 |
| Name:GOLDEN FEDERAL CREDIT UNION | City:Columbus | Size (Millions):$0.44 | Members:171 |
| Name:PINEY GROVE COMMUNITY FEDERAL CREDIT UNION | City:Swainsboro | Size (Millions):$0.05 | Members:64 |
Student Loans in Georgia of September 2026
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 September 2026
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): |
|---|---|---|
| County:Appling County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Atkinson County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Bacon County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Baker County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Baldwin County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Banks County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Barrow County | Single Unit Limit (lowest):$401,350 | Four-Plex Limit (highest):$771,850 |
| County:Bartow County | Single Unit Limit (lowest):$401,350 | Four-Plex Limit (highest):$771,850 |
| County:Ben Hill County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Berrien County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Bibb County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Bleckley County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Brantley County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Brooks County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Bryan County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Bulloch County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Burke County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Butts County | Single Unit Limit (lowest):$401,350 | Four-Plex Limit (highest):$771,850 |
| County:Calhoun County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Camden County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Candler County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Carroll County | Single Unit Limit (lowest):$401,350 | Four-Plex Limit (highest):$771,850 |
| County:Catoosa County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Charlton County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Chatham County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Chattahoochee County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Chattooga County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Cherokee County | Single Unit Limit (lowest):$401,350 | Four-Plex Limit (highest):$771,850 |
| County:Clarke County | Single Unit Limit (lowest):$379,500 | Four-Plex Limit (highest):$729,800 |
| County:Clay County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Clayton County | Single Unit Limit (lowest):$401,350 | Four-Plex Limit (highest):$771,850 |
| County:Clinch County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Cobb County | Single Unit Limit (lowest):$401,350 | Four-Plex Limit (highest):$771,850 |
| County:Coffee County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Colquitt County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Columbia County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Cook County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Coweta County | Single Unit Limit (lowest):$401,350 | Four-Plex Limit (highest):$771,850 |
| County:Crawford County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Crisp County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Dade County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Dawson County | Single Unit Limit (lowest):$401,350 | Four-Plex Limit (highest):$771,850 |
| County:Decatur County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Dekalb County | Single Unit Limit (lowest):$401,350 | Four-Plex Limit (highest):$771,850 |
| County:Dodge County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Dooly County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Dougherty County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Douglas County | Single Unit Limit (lowest):$401,350 | Four-Plex Limit (highest):$771,850 |
| County:Early County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Echols County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Effingham County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Elbert County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Emanuel County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Evans County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Fannin County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Fayette County | Single Unit Limit (lowest):$401,350 | Four-Plex Limit (highest):$771,850 |
| County:Floyd County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Forsyth County | Single Unit Limit (lowest):$401,350 | Four-Plex Limit (highest):$771,850 |
| County:Franklin County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Fulton County | Single Unit Limit (lowest):$401,350 | Four-Plex Limit (highest):$771,850 |
| County:Gilmer County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Glascock County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Glynn County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Gordon County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Grady County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Greene County | Single Unit Limit (lowest):$515,200 | Four-Plex Limit (highest):$990,800 |
| County:Gwinnett County | Single Unit Limit (lowest):$401,350 | Four-Plex Limit (highest):$771,850 |
| County:Habersham County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Hall County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Hancock County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Haralson County | Single Unit Limit (lowest):$401,350 | Four-Plex Limit (highest):$771,850 |
| County:Harris County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Hart County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Heard County | Single Unit Limit (lowest):$401,350 | Four-Plex Limit (highest):$771,850 |
| County:Henry County | Single Unit Limit (lowest):$401,350 | Four-Plex Limit (highest):$771,850 |
| County:Houston County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Irwin County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Jackson County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Jasper County | Single Unit Limit (lowest):$401,350 | Four-Plex Limit (highest):$771,850 |
| County:Jeff Davis County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Jefferson County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Jenkins County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Johnson County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Jones County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Lamar County | Single Unit Limit (lowest):$401,350 | Four-Plex Limit (highest):$771,850 |
| County:Lanier County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Laurens County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Lee County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Liberty County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Lincoln County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Long County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Lowndes County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Lumpkin County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Macon County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Madison County | Single Unit Limit (lowest):$379,500 | Four-Plex Limit (highest):$729,800 |
| County:Marion County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Mcduffie County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Mcintosh County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Meriwether County | Single Unit Limit (lowest):$401,350 | Four-Plex Limit (highest):$771,850 |
| County:Miller County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Mitchell County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Monroe County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Montgomery County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Morgan County | Single Unit Limit (lowest):$401,350 | Four-Plex Limit (highest):$771,850 |
| County:Murray County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Muscogee County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Newton County | Single Unit Limit (lowest):$401,350 | Four-Plex Limit (highest):$771,850 |
| County:Oconee County | Single Unit Limit (lowest):$379,500 | Four-Plex Limit (highest):$729,800 |
| County:Oglethorpe County | Single Unit Limit (lowest):$379,500 | Four-Plex Limit (highest):$729,800 |
| County:Paulding County | Single Unit Limit (lowest):$401,350 | Four-Plex Limit (highest):$771,850 |
| County:Peach County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Pickens County | Single Unit Limit (lowest):$401,350 | Four-Plex Limit (highest):$771,850 |
| County:Pierce County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Pike County | Single Unit Limit (lowest):$401,350 | Four-Plex Limit (highest):$771,850 |
| County:Polk County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Pulaski County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Putnam County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Quitman County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Rabun County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Randolph County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Richmond County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Rockdale County | Single Unit Limit (lowest):$401,350 | Four-Plex Limit (highest):$771,850 |
| County:Schley County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Screven County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Seminole County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Spalding County | Single Unit Limit (lowest):$401,350 | Four-Plex Limit (highest):$771,850 |
| County:Stephens County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Stewart County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Sumter County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Talbot County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Taliaferro County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Tattnall County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Taylor County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Telfair County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Terrell County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Thomas County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Tift County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Toombs County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Towns County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Treutlen County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Troup County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Turner County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Twiggs County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Union County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Upson County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Walker County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Walton County | Single Unit Limit (lowest):$401,350 | Four-Plex Limit (highest):$771,850 |
| County:Ware County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Warren County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
| County:Washington County | Single Unit Limit (lowest):$331,760 | Four-Plex Limit (highest):$638,100 |
Business Loans in Georgia of September 2026
At the click of a button, the lenders below can provide financing to help take your business to the next level:
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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.
