Payday Loans in Bartow, Georgia

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No payday loan companies in Bartow, GA. Consider companies in other cities:

Company nameAddressZip codePhone number
TitleMax Title Pawns 2070 Beaver Ruin Rd a, Norcross, GA 30071 +1 (770) 840 - 9372
Ameris Bank 109 W 3rd St, Donalsonville, GA 39845 +1 (229) 524 - 2112
1st Franklin Financial 2825 Washington Rd Suite M-2, Augusta, GA 30909 +1 (706) 667 - 5418
Turbo Title Pawn 529 N Jefferson St NE, Milledgeville, GA 31061 +1 (478) 452 - 9700
World Finance Corporation 13675 Jones St, Lavonia, GA 30553 +1 (706) 356 - 4760
The Peoples Bank 209 S Jefferson Ave, Eatonton, GA 31024 +1 (706) 485 - 8542
Professional Financial Services 235 Margie Dr 400, Warner Robins, GA 31088 +1 (478) 953 - 1515
World Finance Corporation 4402 2nd St N, Folkston, GA 31537 +1 (912) 496 - 2711
Equity Auto Loan 2625 Deans Bridge Rd A, Augusta, GA 30906 +1 (706) 790 - 4331
Navy Federal Credit Union 1300 Ernest W Barrett Pkwy NW Ste 240, Kennesaw, GA 30144 +1 (888) 842 - 6328

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Bartow, GA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Warner Robins, GA, Payday Loans in Albany, GA, Payday Loan Companies in Alpharetta, GA, Payday Loans in Atlanta, GA, Emergency Loan in Columbus, GA, Payday Loans in Dalton, GA, Payday Loan for Douglasville, GA and Payday Loans in Evans, GA. But also, you can apply for a loan online, not coming out of your home. Just fill out a simple application on our website and we will connect you with trusted direct lenders in Bartow, GA.

Beautiful sights of Bartow, GA

Payday Loans Available in Bartow, GA By The Following ZIP Codes:

30413

Are Payday Loans Legal In Bartow, Georgia?

Payday Lending is Prohibited in Georgia

Georgia Loan Regulations

Legal StatusProhibited
Interest Rate (APR, %)Prohibited
Maximum Loan AmountProhibited
Minimum Loan TermProhibited
Maximum Loan TermProhibited
Number of Rollovers AllowedProhibited
Finance ChargesProhibited

Bartow, GA payday loan calculator

Payday Loans in Bartow, Georgia

For many individuals in Bartow, Georgia, unexpected expenses and emergencies can arise at any time. Payday loans have become a common option for those who find themselves in need of quick cash. However, it is essential to be aware of the laws and regulations surrounding payday loans in Georgia before considering one. In this article, we will examine the legality of payday loans in Bartow and alternatives available to those in need.

The Legality of Payday Loans in Bartow, Georgia

Payday loans are illegal in the state of Georgia. The Georgia General Assembly enacted the Georgia Industrial Loan Act (GILA) and the Georgia Payday Lending Act (GPLA) to regulate the lending practices of consumer loan companies and payday lenders. Both these acts were designed to protect borrowers from predatory lending practices and exorbitant interest rates.

These laws regulate the maximum amount that can be borrowed, repayment terms, finance charges, and fees that can be charged. Lenders that violate these laws can face stiff legal penalties, including fines and lawsuits.

Alternatives to Payday Loans in Bartow, Georgia

Although payday loans are illegal in Georgia, there are still options available to individuals who find themselves in need of quick cash. Some alternatives include:

  • Personal Loans – Personal loans from traditional banks or credit unions are an option for individuals who need to borrow money. Although the application and approval process may take longer than a payday loan, personal loans typically have lower interest rates and better repayment terms.
  • Credit Cards – Credit cards can be a good option for those who need to borrow small amounts of money for a short time. Many credit cards offer cash advances, and some even offer zero-interest rates for the first few months.
  • Social Services – Many social service organizations in Bartow provide assistance to individuals struggling with unexpected expenses or emergencies. These organizations can provide free or low-cost assistance with food, housing, and other necessities.

Interesting Facts and Statistics about Payday Loans in Bartow, Georgia

Although payday loans are illegal in Georgia, there are still individuals who fall prey to predatory lending practices. According to the Consumer Financial Protection Bureau, in 2019, Georgia consumers made more than 3.5 million payday loan transactions, totaling over $1.5 billion in loans.

In 2020, the Consumer Financial Protection Bureau reported that the average APR for a payday loan in the United States was 391%. This high-interest rate makes it difficult for many borrowers to repay their loans and can result in a cycle of debt.

Apply Now

If you are in need of quick cash and have exhausted all other options, TheGuaranteedLoans can help connect you with potential lenders. We are a connector service, not a direct lender, and work with a network of lenders who may be able to provide you with a loan that meets your needs. Fill out our online application form today to get started.

Remember, it is crucial to borrow responsibly and only borrow what you can afford to repay. If you are struggling with debt, seek out resources that can help you get back on track financially.

F.A.Q.

Can I be sued or have my wages garnished if I default on a payday loan in Bartow, Georgia?

No, because payday loans are illegal in Bartow, Georgia, lenders cannot sue borrowers or garnish their wages for non-payment.

Are there any protections for borrowers who take out illegal payday loans in Bartow, Georgia?

Yes, the state of Georgia has established several protections for borrowers who may be misled or exploited by illegal payday lenders. These include the right to cancel a loan within five days, the right to dispute any charges or fees, and the right to seek legal assistance.