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GALast updated: 2026-01
Georgia Regulations
Comprehensive guide to seller financing laws, usury limits, and disclosure requirements in Georgia.
Maximum Interest Rate
None
Business exemptions may apply
Usury Laws
Interest rate limits and penalties
Maximum Rate
No Limit
Penalty Type
No specific penalty
Notes
Georgia abolished usury limits. Lenders may charge any rate agreed upon. Criminal usury at 5%/month.
Business Exemption
No usury limit in Georgia since 1983 deregulation.
Seller Financing Requirements
Disclosures, licensing, and restrictions
Required Disclosures
- Seller's Property Disclosure Statement
- Lead-based paint disclosure (pre-1978)
Licensing Required
No license required
No license required for seller financing own property.
Consumer Protection
Applicable laws protecting buyers
- Georgia Fair Business Practices Act
Real Estate Specifics
Foreclosure process and property laws
- Security Deed state (similar to Deed of Trust)
- Non-judicial foreclosure with 4-week advertisement
- No redemption after foreclosure
Legal Disclaimer
This information about Georgia regulations is provided for educational purposes only and does not constitute legal or tax advice. Laws change frequently and vary by county and municipality. Always verify current regulations with a licensed Georgia attorney before entering into any seller financing arrangement.