Georgia Payday Loans (GA)


The state of Georgia currently prohibits payday loans, making it hard for borrowers to find quick cash sources. Although there are no legally operating cash advance lenders however, borrowers can still get payday loans through the internet. Like with most loans however, you need to be aware of the laws governing your transaction.

 Here at, we provide you with complete information on GA payday loans. Feel free to send us questions or comments and browse the site for other states with payday loans.

Payday Loan Process in Georgia

 The payday loan process in GA is no different than others. Borrowers start off by filling in a form and subtitling a set of qualifications. Requirements include:

  • Borrower must be 18 years or more
  • Must hold a job
  • Salary must meet requirements
  • Own a savings or checking account

The basic requirements will help lenders judge the trustworthiness of the borrower. Credit history is rarely check, giving people with bad debt the chance to complete a loan. Typically, this whole process takes as little as one minute to finish, providing immediate money for emergencies.

 Georgia Payday Loan Laws and Regulations

 GA laws and regulations governing payday loans are unclear since the practice is prohibited. Instead, Georgia practices a small loan rate cap set at 16% every year. For criminal usury cap, the charge is 60% per year.

 Specific regulations such as rollovers, payment terms, maximum borrowings and more may be left to the discretion of the lender. Borrowers are advised to find out the payday loan laws of the state that the lender is licensed to. They should be following the protocol of short term loans. Do not be afraid to ask should a conflict arise.

 Georgia Consumer Protection

 If you ever bump to any problems on payday loans, being aware of the consumer protection office is always a plus. The regulators for GA are the Georgia Commissioner of Office Insurance. Through here borrowers can ask questions, clear misunderstanding and address any problems related to the service of the organization. The regulator can be contacted through a number of ways:

  • Address: Industrial Loan Division, Two Martin Luther King, Jr. Drive West Tower, Suite 704 Atlanta GA 30334
  • Phone: (404) 656-2070
    Toll Free: (800) 656-2298
    Fax: (404) 657-8542
  • Look For: Frank Ogletree Director
  • Web:

For protection purposes, consumers should always read the fine print of every document they sign. This goes double for payday loans due to their short-term nature.

Georgia Payday Loan Alternatives

 You have the option of other cash-generating methods when faced with problems. First off, friends and family might be able to help for minimal cash flow problems. For big ones, you can try selling off some items to pad your income. Going to a pawnshop is also a great idea.

Some borrowers like to seek help from employers they trust. The employee asks for a cash advance and has it subtracted on his last paycheck. If you have a credit card then this might be sufficient for basic needs. Bank loans should only be taken if there is no other option.

Payday Loans cities in Georgia:
Adairsville Adel Albany
Alpharetta Americus Athens
Atlanta Auburn Augusta
Austell Bainbridge Barnesville
Baxley Blakely Blue Ridge
Bremen Brunswick Buford
Cairo Calhoun Camilla
Canton Carrollton Cartersville
Cedartown Chamblee Chatsworth
Clarkesville Clarkston Claxton
Clayton Cleveland Cochran
College Park Colquitt Columbus
Commerce Conyers Cordele
Cornelia Covington Cumming
Cuthbert Dahlonega Dalton
Dawson Dawsonville Decatur
Douglas Douglasville Duluth
Dunwoody East Point Eastman
Eatonton Elberton Ellenwood
Ellijay Fayetteville Flowery Branch
Forest Park Forsyth Fort Valley
Gainesville Georgetown Glennville
Greensboro Griffin Hartwell
Hazlehurst Helena Hinesville
Hiram Hogansville Jackson
Jasper Jefferson Jesup
Jonesboro Kennesaw Lagrange
Lake City Lavonia Lawrenceville
Leesburg Lilburn Lithia Springs
Lithonia Loganville Mableton
Macon Madison Manchester
Marietta Mcdonough Milledgeville
Monroe Montezuma Morrow
Moultrie Nashville Newnan
Norcross Oakwood Peachtree City
Perry Pooler Richmond Hill
Riverdale Rome Roswell
Royston Saint Marys Saint Simons Island
Sandersville Sandy Springs Savannah
Smyrna Snellville Springfield
Statesboro Stockbridge Stone Mountain
Suwanee Swainsboro Sylvania
Sylvester Thomaston Thomasville
Thomson Tifton Toccoa
Tucker Tybee Island Valdosta
Vidalia Villa Rica Warner Robins
Washington Watkinsville Waycross
Waynesboro West Point Winder

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