Payday loans in Georgia: what the law allows
No. Georgia doesn't allow payday loans at typical payday costs. Georgia allows car title loans.
Georgia
Payday loans
Not allowed
Car title loans
Allowed
“Payday lending is illegal in Georgia . O.C.G.A. § 16-17-2.”
Georgia Department of Banking and Finance (title pawns: local municipal authorities)Look up a lender's license
Checked 2026-09-15. Laws change; confirm with the regulator before you borrow.
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Common questions
Are payday loans legal in Georgia?
No. Georgia doesn't allow payday loans at typical payday costs.
Are car title loans legal in Georgia?
Georgia allows car title loans.
How do I check a lender's license in Georgia?
Look the lender up with Georgia Department of Banking and Finance (title pawns: local municipal authorities), which licenses lenders in Georgia.
Do these rules protect service members?
Yes. The Military Lending Act limits payday and car title loans for covered service members to 36%, in every state.
Information, not legal advice. Laws change; confirm with the state regulator.