GA · LOAN-AGMT · Updated July 2026 · Free
Georgia Loan Agreement PDF
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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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Overview
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).
Key Facts
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 |
Legal Requirements
Georgia Legal Requirements
- Loans under $3,000 must strictly stay under the 16% cap.
Governing Laws
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.
Questions & Answers
Georgia Loan Agreement — Frequently Asked Questions
What is the default contract interest rate in Georgia?
7% per year unless a higher rate is written.