Georgian Capital review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Georgian Capital lends directly in Georgia, offering fixed rate personal and secured loans capped at up to GEL 5,000 and an APR of 30% to 50%. It suits borrowers who need a modest sum from a regulated direct lender and can pass the hard credit check.

Key facts

Best for
Georgia residents wanting a modest fixed rate loan from a regulated direct lender.
APR
30% to 50% (Source, checked September 26, 2026)
Loan amount
up to GEL 5,000 (Source, checked September 26, 2026)
Term
36 months (Source, checked September 26, 2026)
Arrangement fee
3% of loan amount (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Origination fee (%)
3% (Source, checked September 26, 2026)
Loan types
Personal, Secured (Source, checked September 26, 2026)
Legal entity
JSC Microfinance Organization Georgian Capital (Source, checked September 26, 2026)
Headquarters
Georgia (Source, checked September 26, 2026)
Founded
2009 (Source, checked September 26, 2026)
Support channels
Email, Phone (Source, checked September 26, 2026)
Pricing model
Fixed rate
Official website
georgiancapital.ge

Mortgages

Initial rate
24% (Source, checked September 26, 2026)
APRC
50% (Source, checked September 26, 2026)
Fixed period
5 years (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Legal entity
JSC Microfinance Organization Georgian Capital (Source, checked September 26, 2026)
Headquarters
Georgia (Source, checked September 26, 2026)
Founded
2009 (Source, checked September 26, 2026)
Support channels
Email, Phone (Source, checked September 26, 2026)

Apps and profiles

Elsewhere
LinkedInfacebook.cominstagram.com

Pros and cons

Pros

  • A direct lender with fixed rate pricing, direct lender and fixed, so the repayment does not reprice mid term.
  • Licensed by the National Bank of Georgia under licence 320509.
  • Personal and secured lending in one place, personal and secured, over a term of 36.

Cons

  • The origination fee lands on a small balance, 3% of loan amount on a loan capped at up to GEL 5,000.
  • The APR of 30% to 50% sits far above the 12.25% personal loans median.
  • Support runs on email and phone only.
Georgian Capital

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Scored 8.8 / 10 by BorrowCue.

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Who it suits

  • Georgian residents who need a modest fixed rate sum and can pass a hard credit check.
  • Borrowers who want one lender for both personal and secured needs, personal and secured.
  • Borrowers comfortable with a short commitment, since the term is 36.

Who should look elsewhere

  • Borrowers chasing a low rate, since Monzo Flex lists 10% to 23% and Cashspace PHP 12 to PHP 36.
  • Anyone after the lowest quoted rate on the table, since Cashspace ES lists 0%.

The company behind it

Georgian Capital trades as JSC Microfinance Organization Georgian Capital, a microfinance organisation based in Georgia and founded in 2009. It is licensed by the National Bank of Georgia under licence 320509, so the lender is named and accountable in its home market. Support runs on email and phone, which covers questions on an application or a repayment.

How Georgian Capital compares

Where Georgian Capital is available

Available
Georgia
Licence in Georgia
National Bank of Georgia (320509), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does borrowing from Georgian Capital cost?+

The consumer loan carries an APR of 30% to 50%, and the lender adds an origination fee of 3% of loan amount to the amount borrowed. Both sit above the personal loans median APR of 12.25% on the comparison table, so the total cost is the part to weigh.

Is Georgian Capital a regulated lender?+

Georgian Capital holds a licence from the National Bank of Georgia, 320509, and trades as JSC Microfinance Organization Georgian Capital. It is a direct lender, direct lender, so the contract runs between the borrower and the lender rather than a broker.

How much can I borrow and over what term?+

The consumer loan is capped at up to GEL 5,000 and the term is 36, a short commitment next to the personal loans median of 48. Borrowers spreading a cost over a longer period will need a lender with a longer schedule.

Does the rate change during the loan?+

The rate type is fixed and the model is fixed rate, so the monthly repayment does not shift mid term on the 36 schedule. Borrowers who want a variable option would need a lender that offers one.

What credit check applies to an application?+

Applications go through a hard credit check, which means a full search of the file. That suits borrowers with a steady income and some credit history, and puts borrowers wanting a softer prequalification elsewhere.

Which loan types and rates are on offer?+

Georgian Capital offers personal and secured borrowing, personal and secured, under the same fixed rate setup. The longer property product runs at an initial rate of 24% with an APRC of 50% and a fixed period of 5.

How do I get help from the lender?+

Support runs on email and phone only, and the team sits in GE rather than abroad. Borrowers who want live chat or face to face advice should weigh that before applying, and keep their paperwork to hand when they call.

How does the rate compare with other lenders?+

Georgian Capital charges 30% to 50%. Monzo Flex lists 10% to 23% and Cashspace PHP 12 to PHP 36, so the Georgian Capital figure is the highest of the three on the table. Only the rate quoted in your own market matters in the end.

Sources

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Funding time, Representative example.

Georgian Capital

Georgian Capital

Georgia residents wanting a modest fixed rate loan from a regulated direct lender.

8.8/10See alternatives

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