Payday Loans in Bowdon Junction, Georgia

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

Company nameAddressZip codePhone number
Bank OZK 150 Orvin Lance Dr, Blue Ridge, GA 30513 +1 (706) 258 - 4000
Cash America Pawn 925 Veterans Memorial Hwy SW #162, Mableton, GA 30126 +1 (770) 739 - 6900
All Checks Cashed 773 GA-138, Riverdale, GA 30296 +1 (770) 909 - 9290
Republic Finance 123 Canal St, Pooler, GA 31322 +1 (912) 748 - 1323
1st Franklin Financial 307 Grand Island Dr #5, Albany, GA 31707 +1 (229) 888 - 1928
Synovus Bank 124 E Jefferson St, Boston, GA 31626 +1 (888) 796 - 6887
1st Franklin Financial 234 Tom Hill Sr Blvd, Macon, GA 31210 +1 (478) 477 - 2430
American Finance 1534 Watson Blvd, Warner Robins, GA 31093 +1 (478) 599 - 0290
World Finance 2801 Watson Blvd Ste B, Warner Robins, GA 31093 +1 (478) 971 - 4620
Georgia Title Loans 205-A Moreland Ave SE, Atlanta, GA 30316 +1 (404) 581 - 9919

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Bowdon Junction, GA, you can try to find different companies in big cities near by. Check out the following pages here: Quick Loan in Roswell, GA, Payday Loan for Savannah, GA, Quick Loan in Smyrna, GA, Guaranteed Loans in Statesboro, GA, No Credit Check Loans in Tucker, GA, No Credit Check Loans in Valdosta, GA, Same Day Loans in Warner Robins, GA and Guaranteed Loans in Albany, 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 Bowdon Junction, GA.

Are Payday Loans Legal In Bowdon Junction, 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

Bowdon Junction, GA payday loan calculator

Payday Loans in Bowdon Junction, Georgia: What You Need to Know

If you’re looking for a quick and easy way to get cash in Bowdon Junction, Georgia, you might have considered a payday loan. However, it’s important to know that payday loans are actually prohibited in the state of Georgia.

Payday loans, sometimes called cash advances, are typically small, short-term loans with very high interest rates. They are often marketed as a way to bridge the gap between paychecks, but many borrowers find themselves in a cyclical cycle of debt, unable to repay the loan on time and forced to take out additional loans to make ends meet.

The Georgia Industrial Loan Act

In Georgia, payday lending is illegal under the Georgia Industrial Loan Act (GILA), which regulates small-dollar loans in the state. Under Georgia law, any loan with an interest rate of more than 60% per year is considered a violation of usury laws and is therefore prohibited. Payday lenders are not licensed to operate in Georgia, and any attempts to offer payday loans to Georgia residents are considered illegal and fraudulent.

While payday lending is illegal in Georgia, there are other options available for those who need quick cash. Some alternatives to payday loans include:

  • Personal loans from traditional banks or credit unions
  • Credit card cash advances
  • Installment loans
  • Line of credit loans

Interesting Facts and Statistics

Despite the illegality of payday loans in Georgia, some individuals still turn to payday lending in an attempt to meet their financial needs. Here are some important facts and statistics about payday lending and consumer debt in Georgia:

  • In 2016, the average payday loan in Georgia was $486.99, with an average interest rate of 252%.
  • According to a 2017 report by the Center for Responsible Lending, Georgia residents paid over $460 million in fees and interest on payday loans between 2010 and 2014.
  • Georgia has some of the highest levels of income inequality in the country, with nearly 14% of the population living below the poverty line.
  • According to a 2016 report by the Urban Institute, 34% of Georgia residents have debt in collections, with an average debt amount of $4,047.

Apply Now

If you’re in need of cash in Bowdon Junction, Georgia, TheGuaranteedLoans can help connect you with potential lenders who offer alternatives to payday loans. Our online application process is quick and easy, and our network of lenders may be able to provide you with the cash you need to get back on track. Remember, TheGuaranteedLoans is a connector service, not a direct lender, and we will work to facilitate your connection with a potential lender.

So why wait? Fill out our online application today and see if you qualify for an alternative to a payday loan.

F.A.Q.

Can a payday loan company file a lawsuit against me in Bowdon Junction, Georgia?

No, a payday loan company cannot file a lawsuit against you in Bowdon Junction, Georgia because these loans are illegal in the state.

Are there any federal laws that apply to payday loans in Bowdon Junction, Georgia?

Yes, there are federal laws that apply to payday loans in Bowdon Junction, Georgia, including the Military Lending Act and the Truth in Lending Act. These laws provide protections for consumers and regulate the practices of payday lenders.