Automatic two-tier rate calculation, 10-day and 30-day grace tracking, and forfeiture flagging — built around O.C.G.A. §§ 44-12-130 and 44-14-403 so you stay compliant without doing the math.
Georgia pawn shop software is a point-of-sale and recordkeeping system configured for the Georgia Pawnshop Act (O.C.G.A. §§ 44-12-130 through 44-12-138 and § 44-14-403), which sets a two-tier interest cap of 25% of principal per 30-day period for the first 90 days and 12.5% per 30-day period after that, a 10-day grace period on general merchandise and 30-day grace period on motor vehicles, and a written disclosure on every pawn ticket. Because the rate switches mid-loan and forfeiture turns on grace-period dates, the software has to track which 30-day period each loan is in and calculate the disclosure figures automatically. PawnSmarts ships pre-configured for these rules, so the two-tier rate, the grace periods, and the ticket disclosure are handled from the first pawn.
Georgia's Pawnshop Act lets you charge up to 25% of principal per 30-day period for the first 90 days, then up to 12.5% per 30-day period after 90 days. That is two distinct pricing periods on every loan that runs long, and getting it wrong is a compliance problem. PawnSmarts tracks which 30-day period each loan is in and applies the correct rate automatically — switching to 12.5% the moment a transaction crosses the 90-day threshold.
Georgia also sets minimum charges — $10 per 30-day period during the first 90 days and $5 per 30-day period beyond 90 days. PawnSmarts enforces those minimums automatically.
Georgia law requires a 10-day grace period on general merchandise and a 30-day grace period on motor vehicles. You cannot sell pledged goods during the grace period, and items not redeemed within it are forfeited to you by operation of law. PawnSmarts calculates grace-period end dates from the maturity date and flags items the day grace expires:
During the grace period a pledgor can redeem by paying accrued fees, principal, and an additional charge up to 12.5% of principal — PawnSmarts calculates that redemption total automatically. Once grace expires without redemption, ownership transfers to you under Georgia law; PawnSmarts flags forfeited items and marks them ready for sale so nobody accidentally redeems a forfeited piece.
Georgia lets you charge actual shipping costs plus a handling fee of up to 50% of those costs when a pledgor asks for an item to be mailed, and up to a $2 lost-ticket fee at redemption when the original ticket is lost or destroyed. PawnSmarts tracks the actual shipping cost, adds the allowed 50% markup, shows the combined total for customer disclosure, and applies the $2 fee on the redemption receipt when it is due.
Under O.C.G.A. § 44-12-138, the pawn ticket must carry a written disclosure in at least 9-point type, including the APR for the first 30 days and each subsequent period, dollar amounts for redemption, grace-period information, and shipping and lost-ticket fee disclosures. PawnSmarts generates the disclosure ticket with the correct APR figures and fee language on every transaction.
Georgia pawnbrokers operate under the Georgia Pawnshop Act, O.C.G.A. §§ 44-12-130 through 44-12-138 and § 44-14-403. Key provisions:
On the Professional plan, PawnSmarts sends pledgors three automatic SMS and email reminders before each loan is due, each with a secure payment link — so Georgia pledgors can pay from home and you see fewer forfeitures. It also adds advanced analytics, the ATF Bound Book and Form 4473 at redemption for firearms, multi-location support and staff PIN roles. The Essential plan at $89/month already covers pawn tickets, retail POS, inventory, customer records with ID scan, daily close and reporting.
See the full pawn shop software overview, how PawnSmarts handles police reporting and LeadsOnline export, the national US licensing guide, and the full list of states we serve.
Georgia's Pawnshop Act allows pawnbrokers to charge up to 25% of principal per 30-day period for the first 90 days, then up to 12.5% per 30-day period after 90 days. Georgia also sets minimum charges of $10 per 30-day period during the first 90 days and $5 per 30-day period beyond 90 days. PawnSmarts tracks which period each loan is in and switches rates automatically when a transaction crosses the 90-day threshold.
Georgia requires a 10-day grace period on general merchandise and a 30-day grace period on motor vehicles, starting from the loan maturity date. You cannot sell pledged goods during the grace period. If an item is not redeemed within the grace period, ownership transfers to the pawnbroker by operation of law. PawnSmarts calculates grace-period end dates from the maturity date and flags items the day grace expires.
Georgia permits pawnbrokers to charge the actual shipping cost plus a handling fee of up to 50% of those costs when a pledgor requests an item to be mailed, and up to a $2 lost-ticket fee at redemption when the original ticket is lost or destroyed. No other fees are permitted except as statutorily authorized under O.C.G.A. §44-12-131. PawnSmarts calculates the shipping total and applies the $2 fee automatically on the redemption receipt.
Under O.C.G.A. §44-12-138, every Georgia pawn ticket must include a written disclosure in at least 9-point type, covering the APR for the first 30 days and each subsequent period, dollar amounts for redemption, grace-period information, and shipping and lost-ticket fee disclosures. PawnSmarts generates the disclosure ticket with the correct APR figures and fee language on every transaction.
Pawn shop software for Georgia should come pre-configured for the Georgia Pawnshop Act — the two-tier 25%/12.5% rate, the 10-day and 30-day grace periods, the shipping and $2 lost-ticket fees, and the 9-point ticket disclosure. PawnSmarts does all of this on every plan from $89/month (Essential) or $129/month (Professional), or $2,995 one-time, with no contract or setup fee. It works offline, syncs automatically, and exports reports for LEADS Online.
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