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Any short-term lender wishing to operate in Georgia must abide by the the rules outlined in 7-3-14 et seq. These state that all small loans must be under $3,000 for a period of 36 months and 15 days. Interest is capped at 10% per year. Loan fees are 8% for the first $600, then 4% for everything above $600.

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Click on your state to learn if payday loans are legal or prohibited and the state law that applies. States where payday lending is allowed. The page for each state where payday lending is legal gives the key cost of loan terms under state law. Look for the Georgia prohibits payday loans under racketeering laws. New York