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What Georgia law allows
| Product | Status | APR cap | Amount | Term | License | Law |
|---|---|---|---|---|---|---|
| Title loans[1][2][3] | Allowed | Cap set in statute | Not set by statute | 30 days to 30 days | Pawnbroker license | O.C.G.A. 44-12-131 et seq.; disclosure requirement at O.C.G.A. 44-12-138 |
| Verified against the statute and regulator on September 23, 2026. Laws change; confirm with the regulator before you borrow. | ||||||
The rules in full
Title loans
- Rate cap
- Title pawns are regulated as pawn transactions under O.C.G.A. 44-12-131. Interest and pawnshop charges together may not exceed 25% of the principal per 30-day period (minimum charge up to $10) for the first 90 days, then 12.5% per 30-day period (minimum up to $5) thereafter (roughly 300% and 150% annualized).
- Fees
- Beyond the pawn charges, only: lien registration fee at actual state cost, storage up to $5 per day after repossession, and repossession fees of $50 (within 50 miles), $100 (51-100), $150 (101-300), $250 (over 300). No other fee of any kind is permitted (O.C.G.A. 44-12-131).
- License
- Pawnbroker license (title pawns are structured and licensed as pawn transactions under Georgia pawnshop law, not as 'loans'); O.C.G.A. 44-12-138 governs written disclosures.
Full detail for every loan type: Georgia lending laws.
Help in Georgia
Money snapshot for Georgia
Other options in Georgia
Worth checking whatever your credit: these can cost less than a high-rate loan.
- Emergency loans in Georgia: allowed under Georgia law; see its limits and license rules.
- Installment loans in Georgia: allowed under Georgia law; see its limits and license rules.
- Personal loans in Georgia: allowed under Georgia law; see its limits and license rules.
- Credit union payday alternative loans (PALs). Federal credit unions may offer small loans of up to $2,000 with terms of up to 12 months and an APR no higher than 28%, under NCUA rules (12 CFR 701.21). You usually need to be a member.
- Nonprofit credit counseling. A counselor accredited by the National Foundation for Credit Counseling can help you build a budget or a debt management plan.
- Ask your creditor for a payment plan. Utilities, hospitals and many lenders offer hardship or extended payment plans if you ask before you miss a payment.
- Local assistance. Call 211, or visit 211.org, for emergency help with rent, utilities and food in Georgia.
Title loans in nearby states
- South CarolinaAllowed No numeric cap
- AlabamaAllowed 300% APR
- TennesseeAllowed 24% APR
- FloridaAllowed See the rules
- North CarolinaNot allowed Not allowed
Sources
- consumer.georgia.gov. Georgia Attorney General, Consumer Protection Division; local licensing for pawnbrokers. Retrieved September 23, 2026.
- georgiawatch.org/they-just-prey-on-us-state-law-allows-title-lenders-in-georgia-to-charge-triple-digit-interest-rates-trapping-many-customers-in-cycle-of-debt. Retrieved September 23, 2026.
- codes.findlaw.com. O.C.G.A. 44-12-131 et seq.. Retrieved September 23, 2026.
- National Low Income Housing Coalition. Out of Reach 2026: Georgia. Retrieved September 23, 2026.
- U.S. Census Bureau, Population Division. Vintage 2024 National and State Population Estimates. Retrieved September 23, 2026.
- U.S. Bureau of Labor Statistics. Local Area Unemployment Statistics (LAUS), All States, Seasonally Adjusted. Retrieved September 23, 2026.
Important disclosures
APRs vary by lender and state in Georgia. Each lender sets its own rates and terms and must show you the APR before you sign.
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- Questions about a lender licensed in Georgia? Contact the Georgia Attorney General, Consumer Protection Division; local licensing for pawnbrokers or file a state complaint.
- You can submit a complaint about any lender to the Consumer Financial Protection Bureau at consumerfinance.gov/complaint.