---
title: O.C.G.A. § 7-4-8. Commission to third person does not make lawful interest usurious.
collection: code
id: 7-4-8
cite_as: O.C.G.A. § 7-4-8 (2025)
canonical_url: https://georgiacommons.org/code/7-4-8
md_url: https://georgiacommons.org/code/7-4-8.md
text_url: https://georgiacommons.org/code/7-4-8/text
source_url: https://www.legis.ga.gov/api/document/docs/default-source/joint-features-document-library/t7-t8-(v5)-2024-pdf.pdf?sfvrsn=6386add7_0#page=726
date: 2025
status: active
corpus_version: 2025-supplement-89aa39ab3c68
license: CC0-1.0
publisher: Georgia Commons, an independent project of Georgia Civic Data. Not the State of Georgia. Not legal advice.
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version: the only printed version
in_force: true
current_through: Including Acts of the 2025 Regular Session of the General Assembly
heading_path: BANKING AND FINANCE / INTEREST AND USURY / IN GENERAL
---

# O.C.G.A. § 7-4-8. Commission to third person does not make lawful interest usurious.

Except as the application of this Code section is modified by Code Section 7-3-5, where the lender neither takes nor contracts to take more than lawful interest, the loan is not rendered usurious by money paid or agreed to be paid others by the borrower in order to obtain the loan.

## History

Civil Code 1895, § 2887; Civil Code 1910, § 3437; Code 1933, § 57-104; Ga. L. 1957, p. 331, § 3.

## Editor's Notes

Code Section 7-3-5, referred to in this Code section, was repealed by Ga. L. 2020, p. 156, § 2/SB462, effective June 30, 2020.

## Law Reviews

For note discussing the applicability of the usury laws to legitimate brokers’ commissions, see 12 Ga. L. Rev. 814 (1978).

For article discussing methods of computation of finance charges in Georgia consumer credit contracts, see 30 Mercer L. Rev. 281 (1978).

## History of Code Section.

This Code section is derived from the decisions in Merck v. American Freehold Land Mfg. Co., 79 Ga. 213, 7 S.E. 265 (1887), and Hughes v. Griswold, 82 Ga. 299, 9 S.E. 1092 (1889).