How To Compare Loans in Georgia
Select how much you would like to borrow.
Filter the results based on your criteria and compare the best Georgia loan rates.
Find the best personal loan for your loan needs.
Click Get Started to fill in your loan application.
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Best Rated Personal Loans
Loans in Georgia
When it comes to personal loans, Georgia has a few popular lenders available. These include SunTrust Bank, Wells Fargo, Fidelity Bank, and Synovus Bank.
Online lenders are also worth considering as they offer extremely attractive loan rates and terms.
Why Compare Loans in Georgia with Financer.com
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Payday Loans in Georgia
The state of Georgia prohibits the issuance of cash advances from non-banking institutions. However, out-of-state banks can still offer payday loans to residents as long as they are FDIC insured.
To be eligible for a Georgia payday loan, borrowers must:
- Be at least 18 years of age.
- Have a stable job and earn at least $1,000 a month.
- Have a valid bank account that is free of overdrafts and negative balances.
The law of Georgia State prohibits lenders from issuing payday loans that are more than $3,000 in total.
When it comes to Georgia payday loans, the stipulation period of which a lender can stretch a loan is not more than 36 months and 15 days.
Lenders cannot charge anyone more than 60% per year for their loans.
Georgia Payday Loan Regulations
| Legal Status | Prohibited |
| Interest Rate (APR) | 10% small loan cap |
Georgia stopped payday lending in the state in 2004 when it put a 10% APR cap on small loans. There are currently no payday lenders in Georgia. Moreover, predatory high-cost lending is considered a felony in GA, and therefore, can be criminally prosecuted.
Payday loans are effectively illegal in Georgia as the government has limited lending rates to 10% in 2004.
However, loans may be granted to borrowers in Georgia, subject to the following:
- The maximum loan amount is $3,000.
- The maximum loan term is 36 months and 15 days.
- The maximum APR is 10%.
- The maximum origination fee is 8% of the first $600 and 4% thereafter.
This is a good example of how limited restrictions effectively stop payday lending within a state.
