Ga. Code § 7-3-17
Notwithstanding the provisions of subsection (b) of Code Section 13-1-14, when any installment loan upon which a closing fee has been charged by a licensee is prepaid by any means within 90 days of the date of the loan, the borrower shall be entitled to a refund or credit of the closing fee, calculated as follows: the installment lender shall determine, on a daily pro rata basis over the original term of the loan, the amount of the closing fee that has accumulated prior to the prepayment. The installment lender shall refund or credit the borrower with the pro rata amount that has not accumulated prior to the prepayment; provided, however, that the installment lender may retain from the collected closing fee the greater of the accumulated pro rata closing fee or $25.00.
OCGA § 7-3-17