Our 5 Star Payday Loans store at 2579 Gresham Rd S B in Atlanta, Georgia is open for business, but state law restricts payday lending here. This location does not offer payday loan products. See below for short-term lending alternatives in Georgia.
Payday Loans Are Not Available in Georgia
Payday loans are not currently available in Georgia under Ga. Code Ann. § 16-17-1 et seq.. This 5 Star Payday Loans location in Atlanta does not offer payday loan products. If you live or work in Atlanta and need short-term funds, there are still lawful options. See below for what is available to Georgia residents.
Governing law: Ga. Code Ann. § 16-17-1 et seq.
What Atlanta Residents Can Apply For Instead
Personal installment loans in Georgia are regulated by the Georgia Installment Loan Act under GA Code § 7-3-11.
Up to 16% APR
Max APR
$3,000
Max Loan Amount
~3 years
Max Term
Required
Lender License
Personal installment loans in Georgia are tiered by loan amount: up to $3,000 with a maximum APR of 16% (GA Code § 7-4-2). Loans can be issued for terms up to 36 months and 15 days. An origination fee of 8% on the first $600 and 4% on the excess is allowed. A license is required to offer these loans (GA Code § 7-3-4).
Governing law: GA Code § 7-4-2 (2025), GA Code § 7-3-11 (2020) (Georgia Installment Loan Act)
Apply Online from Atlanta
Start your installment loan application online. Decisions are usually returned within one business day, and you can visit our Atlanta store to finalize if approved.
Apply Online Now →Your Rights as a Georgia Borrower
Consumers in Georgia are protected by regulations that prohibit prepayment penalties and limit late fees to $10 or 5% of the installment, whichever is greater (GA Code § 7-3-11). License verification is required for lenders under the Georgia Installment Loan Act.
- Charging more than statutory fee cap
- Loan flipping restrictions
- Refinancing fee restrictions
Other Short-Term Options to Consider
If a personal installment loan is not the right fit, Georgia residents may also consider:
- Credit union payday alternative loans (PALs), federally capped at 28% APR
- Earned wage access apps or employer paycheck advance programs
- Nonprofit emergency assistance through local community organizations and churches
- State-specific small-dollar loan programs (check your state banking regulator)
More Resources
Explore 5 Star Payday Loans in Atlanta and across Georgia: All Locations • Georgia Payday Loan Guide • All Atlanta Payday Loan Locations • 4187 Buford Hwy NE #1, Atlanta • Payday Loans • Cash Advance Loans • Bad Credit Loans • Same Day Loans.
Georgia residents should be aware that personal installment loans have a maximum APR of 16% for amounts up to $3,000. Loan terms can extend up to 36 months and 15 days.
