Georgia Loan Agreement PDF
Georgia at a glance: Usury Cap (Under $3k): 16% per year (O.C.G.A. § 7-4-2) · Usury Cap (Over $3k): 5% per month (60% per year) · Governing Law: O.C.G.A. Title 7
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Loan Agreements in Georgia
Georgia caps interest rates on loans under $3,000 at 16% per year. For loans between $3,000 and $250,000, any rate agreed in writing is legal up to 5% per month (60% per year).
Georgia Loan Agreement — Quick Reference
| Requirement | Georgia Rule |
|---|---|
| Usury Cap (Under $3k) | 16% per year (O.C.G.A. § 7-4-2) |
| Usury Cap (Over $3k) | 5% per month (60% per year) |
| Governing Law | O.C.G.A. Title 7 |
Georgia Legal Requirements
- Loans under $3,000 must strictly stay under the 16% cap.
Georgia Governing Laws
Read the full text of these laws at Cornell Law School's Georgia legal resources or your state legislature's official website.