2026 Georgia judgment & prejudgment interest rates
Current 2026 snapshot: Georgia post-judgment interest is 9.75% per year; the recorded prejudgment reference is 7% / 9.75% per year.
Everything Georgia charges in interest on a money judgment or an overdue debt, in one place — the rate after judgment and the rate before it, each recorded with a cited source and linked to its full page with observations, scope, and known carve-outs.
| Metric | Rate or rule | Effective | Authority | Basis |
|---|---|---|---|---|
| Post-judgment interest | 9.75% | December 11, 2025 | O.C.G.A. §7-4-12 | Derived formula |
| Prejudgment interest | 7% / 9.75% | December 11, 2025 | O.C.G.A. §§7-4-2, 7-4-15, and 51-12-14 | Fixed by statute |
Post-judgment interest
Georgia's post-judgment interest rate is 9.75% per year. Under O.C.G.A. §7-4-12, interest on a Georgia money judgment is the Federal Reserve prime rate on the day of judgment plus 3 percentage points — currently 9.75% — fixed for the life of that judgment. A judgment on a written contract that specifies a rate carries the contract rate instead. The history below follows every Federal Reserve prime-rate change since the current statutory scheme began on July 1, 2003.
→ Full Georgia post-judgment page — O.C.G.A. §7-4-12, effective-date history, scope, and official source.
Prejudgment interest
Georgia's prejudgment interest rate is 7% / 9.75% per year (fixed by statute). Georgia has two different prejudgment paths. A qualifying liquidated demand uses the 7% legal rate under O.C.G.A. §§7-4-2 and 7-4-15. A qualifying unliquidated tort demand under §51-12-14 instead uses the Federal Reserve prime rate on the benchmark-selection day plus 3 points — currently 9.75%. The claim type and notice determine which path, if either, applies.
→ Full Georgia prejudgment page — O.C.G.A. §§7-4-2, 7-4-15, and 51-12-14, when it applies, accrual, compounding, and carve-outs.
Frequently asked
What is the post-judgment interest rate in Georgia?
As of December 11, 2025, the Georgia post-judgment interest rate is 9.75% per year. Georgia judgment interest — prime rate plus 3 points.
What is the prejudgment interest rate in Georgia?
Georgia's prejudgment interest rate is 7% / 9.75% per year (fixed by statute). A liquidated sum can use §§7-4-2 and 7-4-15; a qualifying unliquidated tort demand follows the separate §51-12-14 notice formula.
Is Georgia judgment interest simple or compound, and when does it start?
The general rule is treated as simple interest. Calculator output remains withheld while day count, partial-payment allocation, amended judgments, and every supported exception are verified to calculator-grade certainty. The benchmark is the Federal Reserve prime rate in force on the date the judgment is entered. The resulting rate is fixed for that judgment rather than resetting whenever prime later changes.
Cite this page
StatuteRates. “Georgia Judgment & Prejudgment Interest Rates.” StatuteRates.com. Accessed today. https://statuterates.com/states/georgia/ Each rate includes a cited source and recorded effective date; confirm the controlling authority before use.
Compare every state on the state interest-rate index and the prejudgment interest index, or enter a confirmed rate in the judgment interest and per-diem calculator. Reference data only — not legal advice.