Best Personal Loans in Georgia

Unsecured personal loans for debt consolidation, home improvement, major purchases, or emergency expenses. In Georgia, personal loans are capped at 60% APR for licensed consumer lenders, overseen by the Georgia Department of Banking and Finance.

Georgia Lending Overview

Personal Loan APR cap

60%

Median Home Price

$330,000

Median Household Income

$71,000

Avg Student Debt

$42,226

State Regulator

Georgia Department of Banking and Finance

Notable law: Georgia banned payday lending in 2004 under the Payday Lending Act, classifying high-rate short-term loans as criminal usury, one of the earliest and strictest state bans.

8 Personal Loans Lenders serving Georgia

Best Egg

Personal Loans

4.1

APR Range: 7.99% – 29.99%
Loan Amount: $2,000 – $50,000
Min Credit Score: 660

Available to residents of Georgia

Apply at Best Egg

Better Mortgage

Personal Loans

4.0

APR Range: 6.30% – 7.50%
Loan Amount: $50,000 – $2,000,000
Min Credit Score: 620

Available to residents of Georgia

Apply at Better Mortgage

Bluevine

Personal Loans

3.9

APR Range: 4.80% – 95.00%
Loan Amount: $1,000 – $500,000
Min Credit Score: 620

Available to residents of Georgia

Apply at Bluevine

Capital One Auto

Personal Loans

4.1

APR Range: 5.09% – 19.99%
Loan Amount: $4,000 – $250,000
Min Credit Score: 600

Available to residents of Georgia

Apply at Capital One Auto

Earnest

Personal Loans

4.2

APR Range: 3.95% – 9.99%
Loan Amount: $5,000 – $500,000
Min Credit Score: 670

Available to residents of Georgia

Apply at Earnest

LightStream

Personal Loans

4.3

APR Range: 6.49% – 24.89%
Loan Amount: $5,000 – $100,000
Min Credit Score: 700

Available to residents of Georgia

Apply at LightStream

LightStream Auto

Personal Loans

4.2

APR Range: 6.49% – 20.49%
Loan Amount: $5,000 – $100,000
Min Credit Score: 700

Available to residents of Georgia

Apply at LightStream Auto

OnDeck

Personal Loans

3.5

APR Range: 10.99% – 99.00%
Loan Amount: $5,000 – $400,000
Min Credit Score: 625

Available to residents of Georgia

Apply at OnDeck

Georgia Lending Laws

Georgia banned payday lending in 2004 under the Payday Lending Act, classifying high-rate short-term loans as criminal usury, one of the earliest and strictest state bans.

The primary regulator for consumer lending in Georgia is the Georgia Department of Banking and Finance. Borrowers with complaints about a lender can file reports directly with that agency or with the federal Consumer Financial Protection Bureau (CFPB).

Frequently Asked Questions

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