Payday Loans in Byromville, Georgia

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

Company nameAddressZip codePhone number
Synovus - Coastal Bank of Georgia 401 Sea Island Rd, Saint Simons Island, GA 31522 +1 (912) 264 - 2265
Nicholas Financial Inc 2359 Windy Hill Rd SE #215, Marietta, GA 30067 +1 (678) 503 - 0833
1st Franklin Financial 136 Main St Suite A, Georgetown, GA 39854 +1 (229) 334 - 4500
Speedee Cash 300 E Jackson St, Dublin, GA 31021 +1 (478) 272 - 7299
World Finance Corporation 621 E 3rd St, Jackson, GA 30233 +1 (770) 775 - 3135
F&M Bank 114 S Hulin Ave, Tignall, GA 30668 +1 (706) 285 - 2195
Regions Bank 1 Community Square Blvd, Villa Rica, GA 30180 +1 (800) 734 - 4667
Auto Acceptance Corporation 749 Main St, Riverdale, GA 30274 +1 (800) 954 - 9322
Title Exchange & Pawn 309 N Main St f, Jonesboro, GA 30236 +1 (770) 471 - 4560
TitleMax Title Pawns 4400 Altama Ave, Brunswick, GA 31520 +1 (912) 466 - 9616

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Byromville, GA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Dalton, GA, Payday Loans in Douglasville, GA, Payday Loans in Evans, GA, Emergency Loan in Gainesville, GA, Same Day Loans in Hinesville, GA, Payday Loan for Kennesaw, GA, Emergency Loan in Lagrange, GA and Payday 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 Byromville, GA.

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

31007

Are Payday Loans Legal In Byromville, 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

Byromville, GA payday loan calculator

The Truth About Payday Loans in Byromville, Georgia

Payday loans, also known as cash advances, are a type of short-term loan that people can take out when they need money quickly. Although they may seem like an easy solution to financial troubles, taking out a payday loan can be very costly in the long run. And in Georgia, payday loans are prohibited by state law. Let’s dive deeper into what this means for residents of Byromville, Georgia.

What Exactly is a Payday Loan?

As mentioned, a payday loan is a type of short-term loan that is typically used to cover unexpected expenses or to tide a person over until their next paycheck arrives. These loans are usually for small amounts, ranging anywhere from $50 to $1,000, and are meant to be paid back on the borrower’s next payday. However, the interest rates on these loans can be extremely high, often exceeding 400% APR, which means that a borrower could end up paying more in fees and interest than the amount they borrowed.

Why are Payday Loans Prohibited in Georgia?

In 2004, the Georgia state legislature passed a law banning payday loans in the state. This law was enacted in part due to the high interest rates that payday lenders charged, which were often considered to be predatory. The law has been upheld by the state Supreme Court, which has ruled that payday lending is unlawful under Georgia’s racketeering laws. It’s important to note that this law applies to both in-person and online payday lenders operating in the state.

What Are the Alternatives to Payday Loans in Byromville, Georgia?

Since payday loans are not an option for residents of Byromville, Georgia, it’s important to know what other options are available when you need access to cash. Some alternatives to payday loans include:

  • Personal loans from banks or credit unions
  • Credit card cash advances
  • Writing a check or using a credit card to pay bills instead of taking out a loan
  • Seeking financial assistance from local charities or non-profit organizations

Interesting Facts and Statistics About Payday Loans in Georgia:

  • In 2015, Georgia residents took out more than 1.7 million payday loans totaling over $563 million.
  • The average interest rate on payday loans in Georgia was 243% in 2015.
  • Most payday borrowers in Georgia are women and African Americans.
  • The number of payday lenders in the state decreased by almost 40% from 2004 to 2010 after the law was passed.

Apply Now to Connect with Potential Lenders

If you are a resident of Byromville, Georgia, and are in need of access to cash, TheGuaranteedLoans can help you connect with potential lenders who might be able to provide you with a loan that meets your needs. Our online application process is quick and easy to complete, and we work with a network of trusted lenders to help our customers find the best loan options available.

It’s important to remember that we are a connector service, not a direct lender, and we simply facilitate the connection between borrowers and lenders. We also urge all borrowers to carefully read and understand the terms of any loan that they are considering taking out, and to only borrow what they can afford to pay back in a timely manner.

Conclusion

While payday loans may seem like a quick and easy solution to financial troubles, they can end up causing much more harm than good. In Georgia, payday loans are prohibited by state law, making it illegal for lenders to offer them to residents of the state. If you need access to cash, there are alternatives available that can be more affordable and less risky in the long run.

F.A.Q.

Why are payday loans illegal in Byromville, Georgia?

Payday loans are illegal in Byromville, Georgia because they often have high interest rates and fees that can trap borrowers in a cycle of debt. The state's regulations are designed to protect consumers from predatory lending practices.

What are some alternative options for getting quick access to cash in Byromville, Georgia?

in Byromville, Georgia, consumers can seek out alternative forms of financing, such as small personal loans, credit union loans, or even borrowing from friends or family.