GA · PROM-NOTE · Updated July 2026 · Free
Georgia Promissory Note
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Georgia at a glance: Usury Limit: 16% per year (loans under $3,000) · Governing Law: Ga. Code § 7-4-2
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Overview
Promissory Notes in Georgia
Georgia law limits interest to 7% if not written, and up to 16% per year for written loans under $3,000. Loans over $250,000 have no usury limits.
Key Facts
Georgia Promissory Note — Quick Reference
| Requirement | Georgia Rule |
|---|---|
| Usury Limit | 16% per year (loans under $3,000) |
| Governing Law | Ga. Code § 7-4-2 |
Legal Requirements
Georgia Legal Requirements
- Interest on written agreements must stay under 16% for small loans under $3,000.
Governing Laws
Georgia Governing Laws
Ga. Code § 7-4-2
Legal Rate of Interest
Defines the legal rate and contract ceilings based on loan amounts.
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 Promissory Note — Frequently Asked Questions
What is the maximum interest in Georgia?
For loans under $3,000, it is 16%. For larger loans, the limit is deregulated.