Payday Loans in Bluffton, Georgia

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

Company nameAddressZip codePhone number
Atlanta Check Cashers 4204 Lawrenceville Hwy, Lilburn, GA 30047 +1 (770) 638 - 7428
TitleMax Title Pawns 1120 Powder Springs St, Marietta, GA 30064 +1 (770) 514 - 8977
ACE Cash Express 6762 GA-85, Riverdale, GA 30274 +1 (770) 907 - 5204
CenterState Bank 600 3rd Ave, West Point, GA 31833 +1 (706) 645 - 3212
Federal Financial Services, Inc.'s 1015 Tyrone Rd, Tyrone, GA 30290 +1 (678) 519 - 3615
Community Loan of Manchester 20 E Main St, Manchester, GA 31816 +1 (706) 846 - 2947
National Title Pawn 3348 Chattanooga Rd, Tunnel Hill, GA 30755 +1 (706) 516 - 4404
Greene Finance Co 24 E Dawson St, Cuthbert, GA 39840 +1 (229) 732 - 6322
United Community Bank 3310 Henderson Mill Rd, Atlanta, GA 30341 +1 (770) 621 - 9797
F&M Bank & Trust 142 W Main St, Manchester, GA 31816 +1 (706) 846 - 8415

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Bluffton, GA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan for Dalton, GA, Quick Loan in Douglasville, GA, Payday Loan Without a Credit Check in Evans, GA, Payday Loans in Gainesville, GA, Payday Loan Without a Credit Check in Hinesville, GA, Payday Loan Without a Credit Check in Kennesaw, GA, Payday Loans in Lagrange, GA and Same Day Loans in Mableton, 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 Bluffton, GA.

Beautiful sights of Bluffton, GA

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

31724

Are Payday Loans Legal In Bluffton, 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

Bluffton, GA payday loan calculator

Payday loans have been a hotly debated topic for years now and for good reason. As an emergency financial aid, they are appealing to people who need quick cash without much effort. However, payday loans often come with incredibly high-interest rates and fees, trapping borrowers in a cycle of debt and stress.

The Payday Loan Controversy in Bluffton, Georgia

In Bluffton, Georgia, payday loans have been prohibited by state law. This means that it is illegal for lenders to offer payday loans to borrowers within Bluffton’s borders, something that is also true for the rest of Georgia. While this might seem like good news for Georgia residents who are trying to avoid the predatory payday loan cycle, it can be tempting to source loans from predatory lenders operating online.

The state of Georgia, along with a number of other states, has enacted stiff regulations against payday loan lenders, altogether wiping out organized payday lending in the state. This move came after years of multiple investigations and legal challenges against the payday lending industry.

Looking at the Numbers

In 2004, payday lending was legal in Georgia, and over 2.4 million payday loans were taken out in that year alone. Fast-forward 12 years later, and online lenders working around the state law were still collecting triple-digit annual interest rates on payday loans from Georgia residents. That same year, over $81,000,000 of payday interest and fees left Georgia consumers and went towards lining the pockets of out-of-state lenders. It’s clear that payday lending was not an industry that was helping the people of Georgia, yet many states are still struggling with the issue even today.

The average borrower over the years paid about $600 in interest for a typical $300 loan. Unlike a car or home loan, payday loans are issued without collateral, making them some of the most expensive type of loans that you can get. Despite this, many people still take out these loans, and it can lead to further debt problems. It is important to note that many payday lending issues occur outside of Georgia, online, or via telephone lending.

Alternatives to Payday Loans in Bluffton, Georgia

If you live in Bluffton, Georgia, and you’re struggling to make ends meet, there are several alternatives you might consider that won’t leave you worse off than when you started. Here are some of the viable options:

Credit Unions

Credit Unions provide short-term loans with lower interest rates and fees than payday lenders, and they are tailored to suit the needs of their members. If you are a member of a credit union in Bluffton, Georgia, visit them to inquire about their short-term loan program.

GeorgiaMBA

The Georgia Department of Banking and Finance runs the Georgia Mortgage Brokers Association (MBA), which is a non-profit organization that offers installment loans to borrowers who can demonstrate the ability to repay the loan within its terms. If you need a loan and live in Bluffton, Georgia, consider applying for an installment loan through the Georgia MBA.

Other Alternatives

You may also look into negotiating your bills, selling unwanted items, or even getting a part-time job instead of having to resort to taking out a payday loan or the like. Many people overlook these options because they assume that they are unlikely to work, but sometimes, these options can provide much-needed relief.

Apply Now

If you are still looking for loans online in Bluffton, Georgia, understand that TheGuaranteedLoans only serves as a connection service and not a direct lender. We work with a network of lenders who are willing to offer financial aid to borrowers in need of quick cash. If you are in need of a loan and are struggling to find one, fill out our online application today, and we’ll get you connected to a lender who might be able to help you.

F.A.Q.

Can I get a payday loan with bad credit in Bluffton, Georgia?

No, payday loans are not available in Bluffton, Georgia regardless of credit history.

Can I get a payday loan without a checking account in Bluffton, Georgia?

No, payday loans are not available in Bluffton, Georgia regardless of banking status.