---
title: Title 7, Chapter 4. Interest and Usury
collection: code
id: code:chapter:7-4
canonical_url: https://georgiacommons.org/code/title/7/chapter/4
md_url: https://georgiacommons.org/code/7-4.md
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.
up: https://georgiacommons.org/code/7.md
previous: https://georgiacommons.org/code/7-3.md
next: https://georgiacommons.org/code/7-5.md
index: https://georgiacommons.org/code/index.md
heading: INTEREST AND USURY
title_heading: BANKING AND FINANCE
section_count: 23
full_url: https://georgiacommons.org/code/7-4.md?full=1
---

# Title 7, Chapter 4. Interest and Usury

Title 7. Banking and Finance

23 sections. Each line is `citation, catchline, status, URL`; the text of every section, in order, is at https://georgiacommons.org/code/7-4.md?full=1 (capped, with a pointer to continue).

- 7-4-1, Usury, active, https://georgiacommons.org/code/7-4-1.md
- 7-4-2, Legal rate of interest; maximum rate of interest generally; certain items not considered interest, active, https://georgiacommons.org/code/7-4-2.md
- 7-4-3, Finance charges on certain retail installment contracts; contract provisions related to manufactured homes; violations, active, https://georgiacommons.org/code/7-4-3.md
- 7-4-4, Advertisement of rates of interest or finance charge, active, https://georgiacommons.org/code/7-4-4.md
- 7-4-5, Failure to include required contract provisions for manufactured homes; violation of advertising restrictions, active, https://georgiacommons.org/code/7-4-5.md
- 7-4-6, No limit on interest rate payable by profit corporations or persons on nonconsumer loans in excess of $3,000.00, reserved (no version in force today), https://georgiacommons.org/code/7-4-6.md
- 7-4-7, No limit on interest rate on loans of $100,000.00 or more, reserved (no version in force today), https://georgiacommons.org/code/7-4-7.md
- 7-4-8, Commission to third person does not make lawful interest usurious, active, https://georgiacommons.org/code/7-4-8.md
- 7-4-9, Back interest may be stipulated in contract and recovered, active, https://georgiacommons.org/code/7-4-9.md
- 7-4-10, Usury forfeits entire interest; right of setoff; how forfeiture discharged; when time bars action or defense, active, https://georgiacommons.org/code/7-4-10.md
- 7-4-11, Usury is personal defense; no collection from insolvent to prejudice of others, active, https://georgiacommons.org/code/7-4-11.md
- 7-4-12, Interest on judgments, active, https://georgiacommons.org/code/7-4-12.md
- 7-4-12.1, Interest on child support and domestic relations orders; settlement of unreimbursed public assistance, active, https://georgiacommons.org/code/7-4-12.1.md
- 7-4-13, Law of place of contract governs interest unless otherwise provided, active, https://georgiacommons.org/code/7-4-13.md
- 7-4-14, Interest runs from default unless otherwise agreed; when demand necessary, active, https://georgiacommons.org/code/7-4-14.md
- 7-4-15, When interest runs on liquidated demands; promissory notes payable on demand, active, https://georgiacommons.org/code/7-4-15.md
- 7-4-16, When interest runs on commercial accounts; maximum interest rate on commercial accounts, active, https://georgiacommons.org/code/7-4-16.md
- 7-4-17, Payment applied first to interest; no interest on unpaid interest; exceptions, active, https://georgiacommons.org/code/7-4-17.md
- 7-4-18, Criminal penalty for excessive interest, active, https://georgiacommons.org/code/7-4-18.md
- 7-4-19, Civil action to enforce chapter, active, https://georgiacommons.org/code/7-4-19.md
- 7-4-20, Election to forgo application of federal usury laws, active, https://georgiacommons.org/code/7-4-20.md
- 7-4-21, Class action barred on claims for violation of interest laws on loans secured by real estate, active, https://georgiacommons.org/code/7-4-21.md
- 7-4-30, , reserved through 7-4-36 (no version in force today), https://georgiacommons.org/code/7-4-30.md