Georgia Payday Loan Online – Best Payday Lender in Georgia

Georgia Payday Loans

It can be difficult for consumers to find a lender who is willing to offer them a Georgia payday loan online. Payday loans are a financial product that allow consumers to get money from their paycheck prior to their scheduled payday, and most of these loans require the borrower to pay the lender a fee. Unfortunately, it can be impossible to get payday loans in Georgia as payday lending in its most popular form is actually illegal in the state of Georgia.


Laws Governing Georgia Payday Loans

Maximum Loan Amounts

In most states, consumers can get a payday loan that is based on their average income. These typically range from $100 to $500 or more. However, in Georgia, this is not possible. Consumers who need a small loan may need to use a credit card or apply for a signature loan. If a consumer opts to get a loan that is worth less than $3,000, that loan is regulated by the Georgia Industrial Loan Act.

Loan Terms

Most payday loans have terms that range from seven to fourteen days while some states offer longer terms. In Georgia, however, it can be difficult to find a loan with such a short term. If consumers apply for a product other than a Georgia payday loan online, they may see terms that are several years long.


It is impossible to get an extension on a Georgia payday loan online.

Fees and APR

According to the Georgia Industrial Loan Act which governs loans under $3,000, the lenders who grant these loans cannot charge more than eight percent per year. If they charge more than this interest rate, they will be subjected to the Georgia Industrial Loan Act which is also referred to as GILA. Under GILA, the lender must obtain a special license to grant loans.


In 2004, the state of Georgia signed the Payday Lending Act of 2004 into law. This act made it a felony for lenders to offer consumers payday loans. The law defined this sort of activity as racketeering, and the people who violate this law can face fines that are up to $25,000 per violation and jail sentences that may be up to 25 years long.

People who have complaints about a Georgia payday loan online should not contact the Georgia Department of Banking and Finance. Instead, they should contact the Industrial Loan Division of the Office for the Commissioner of Insurance.

Best Payday Loan in Georgia

List of best payday loan lender in GA. Please read our review before you apply.

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Go to AmeriAdvance
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Great Plains Lending
Great Plains Lending
Payday One
Payday One

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