Atlanta, GA · South · Not permitted
Payday loans in Atlanta
Atlanta is governed by Georgia's statewide lending law — cities don't set their own loan rules. Payday lending is not permitted in Georgia. Any company offering two-week, high-fee loans here is operating outside state law — the state regulator is the right place to report it.
No license exists for this product in this state, so any lender offering it deserves a report.
Lending storefronts in Atlanta
472,522 residents · DeKalb County / Fulton County Median household income is $47,527 — below the Georgia median of $49,583.
12 storefront locations of 11 companies listed in the public directory snapshot below. Categories are the directory's own — verify a store's license with the state regulator before borrowing.
| Lender | Address | Phone | Hours |
|---|---|---|---|
| AFS Finance Company and Financial Services Installment Loans | 1651 Phoenix Blvd STE4, 30349 | (470) 275-8722 | Hours not listed |
| ASAP Credit Installment Loans | 2300 Windy Ridge Pkwy SE Ste 375, 30339 | (770) 559-1455 | Hours not listed |
| Central Loan & Finance Installment Loans | 54 Walton St NW, 30303 | (404) 522-9024 | Mon–Fri 9:00 AM - 5:00 PM · Sat–Sun Closed |
| Chesterfield Finance Installment Loans | Atlanta, 30318 | (404) 688-8721 | Mon–Fri 8:30 AM - 5:00 PM · Sat–Sun Closed |
| Chesterfield Finance Installment Loans | 45 Walton St NW, 30303 | (404) 688-8721 | Mon–Fri 8:30 AM - 5:00 PM · Sat–Sun Closed |
| Dream Solution Group Installment Loans, Tax Services | 4516 Washington Rd, 30349 | (678) 973-0461 | Mon 10:00 AM - 7:00 PM · hours vary |
| GEO Business Loans Business Financing, Installment Loans | 1201 W Peachtree St NW, 30309 | (678) 878-5046 | Mon 8:00 AM - 6:00 PM · hours vary |
| GreenSky Financial Advising | 1797 Ne Expy NE, 30329 | (866) 936-0602 | Hours not listed |
| Riverdale Finance & Tax Installment Loans | 45B Walton St NW, 30303 | (770) 996-8119 | Mon–Fri 8:30 AM - 5:00 PM · Sat–Sun Closed |
| Sole Source Funding Installment Loans, Business Financing | 3340 Peachtree Rd Ne Ste 1010, 30326 | (678) 489-4988 | Hours not listed |
| Taylor Group Commercial Kitchens Consumer lending | 591B Edgewood Ave SE, 30312 | (404) 522-9504 | Hours not listed |
| Time Finance Installment Loans | 45B Walton St NW, 30303 | (404) 577-3650 | Mon–Fri 8:30 AM - 5:00 PM · Sat–Sun Closed |
Listing data: public business directory, collected 2022-02-20. Stores close and relocate — confirm with the regulator's license lookup on the Georgia page before visiting. Spot an error? Report it.
The online route in Atlanta
The Georgia ban covers every lender serving Atlanta residents, online or off. Sites that still advertise high-fee short-term loans here route through partner banks or tribal charters outside state licensing — treat them accordingly.
From the online lenders directory — terms each lender publishes about itself, checked September 2026. Directory only: we are not affiliated and make no availability promises — verify with the lender and the Georgia regulator.
The rules behind the numbers
Payday lending is illegal under Georgia law, which carries severe criminal penalties for unauthorized short-term lending.
Statute: O.C.G.A. § 16-17-1 et seq.
Regulator: Georgia Department of Banking and Finance · dbf.georgia.gov
Questions people ask in Atlanta
Are payday loans legal in Atlanta, GA?
No. Payday lending is illegal under Georgia law, which carries severe criminal penalties for unauthorized short-term lending. The ban applies to Atlanta like every other city in the state — any store or site offering two-week, high-fee loans here is operating outside the law.
Where can I borrow legally in Atlanta?
Federal credit-union PALs (28% APR ceiling), installment lenders priced under the state cap, employer advances, and local assistance programs. Each costs a fraction of payday pricing.
A storefront in Atlanta offered me a payday loan. Is that legal?
No. The state ban covers every lender making loans to Georgia residents, wherever the company is based. Save the contract, the website and the payment details — they are evidence.
Who do I report an illegal lender to in Atlanta?
Complaints about a lender go to the Georgia Department of Banking and Finance (dbf.georgia.gov) — keep the loan agreement and every fee disclosure you were given.