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Up to $5,000 with a simple online form
With payday loans no longer available in Georgia, installment loans offer a fast, flexible alternative when you need money for an unexpected expense.
At Superb Cash Advance, you can apply online for an installment loan of up to $5,000 with no hard credit check to get started. Approval depends mainly on your income and ability to repay. In many cases, proof of about $800 or more in monthly income is enough to begin the application.
Before you sign, you will receive a free, no-obligation loan estimate showing the APR, fees, total repayment amount, and monthly payment, so you can compare your options and make an informed decision.
You can apply online or visit one of our locations. Applying online is the fastest and most convenient option. If approved, funds may be available as soon as the same business day, depending on the time of approval and your bank.
Georgia ended payday loans in 2004 to protect residents from very high borrowing costs. Before then, short-term loans could carry triple-digit annual rates.
Today, small consumer loans in Georgia are made under the state's Industrial Loan Act, with the rate and fees set by law. An installment loan is the legal way to borrow for a short-term need.
Georgia gives you two installment options depending on how much you borrow. For loans up to $3,000, the Industrial Loan Act caps the charges as shown below (about 10% a year plus the set fees). For larger amounts up to $5,000, the loan is a standard installment loan with an APR of 5.99% to 35.99% over up to 24 months, and it may include a service or origination fee. Either way, you see your exact APR, term, fees, and total before you sign.
| Charge | Maximum allowed |
|---|---|
| Interest | 10% a year on the face amount |
| Loan fee | 8% of the first $600, plus 4% of the amount above $600 |
| Monthly maintenance fee | $3 per month |
For example, on a $1,000 loan over 12 months you would pay about $100 in interest, a one-time loan fee of about $64, and $3 a month in maintenance. You always see your exact APR, monthly payment, and total before you sign.
Source: Georgia has prohibited payday lending since 2004 under the Payday Lending Act (O.C.G.A. 16-17). Small consumer installment loans are made under the Georgia Industrial Loan Act (O.C.G.A. 7-3) and licensed by the Georgia Department of Banking and Finance. Last reviewed July 2026.
Superb Cash Advance offers a licensed installment loan of up to $5,000 in Georgia, repaid in fixed monthly payments. The amount, rate, and term follow Georgia law.
The fastest way to apply is online with your ID, proof of income, and bank details ready. See how it works on our installment loan page, or start your application now.
Are payday loans legal in Georgia?
No. Georgia ended payday loans in 2004. Small loans are now made as licensed installment loans under the Georgia Industrial Loan Act.
Can I pay off my loan early?
Yes. You can repay an installment loan early with no prepayment penalty, which lowers the total interest you pay.
What are you waiting for?
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2212 S Victory St #300, Houston, TX 77088 | (832) 345-9761
All lending products offered by Superb Cash Advance are contingent upon approval through our underwriting process. Applicable interest rates, loan terms, and fees are determined by the borrower's state of residence, creditworthiness, and other relevant factors. Product availability is not uniform across all states, and not every applicant will be approved or will qualify for the maximum loan amount. Full terms and conditions apply to each product. Cash advance products are meant to address immediate, short-term financial needs. They are not a replacement for responsible long-term financial management. If you are struggling with debt, we strongly suggest contacting a qualified credit counselor. When applying online, additional verification of your information may be needed prior to funding, which may extend the disbursement process by up to two business days.
Submitting a loan application through Superb Cash Advance does not affect your FICO® Score. As part of our review, we may consult a non-traditional consumer reporting agency. An application of this kind may appear on your record with that agency but will leave your FICO® Score unchanged.
USA PATRIOT ACT NOTICE: CUSTOMER IDENTIFICATION REQUIREMENTS: In accordance with Federal law, all financial institutions must obtain, verify, and keep a record of information that identifies everyone who opens an account. You will be asked to supply your name, street address, date of birth, and other identifying information when you open an account. A valid driver's license or comparable identification document may also be requested.
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* Funds may be deposited as soon as the same business day for applications approved before 11:30 AM ET. Applications approved later in the day are generally funded on the next business day.
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