Payday Loans in Clarkdale, Georgia

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

Company nameAddressZip codePhone number
Dacula Finance Co 2444 Winder Hwy, Dacula, GA 30019 +1 (770) 338 - 9797
North Star Advance 3218 Vickery Dr NE, Marietta, GA 30066 +1 (855) 362 - 2274
Berrien County Teachers-FCU 810 S Dogwood Dr, Nashville, GA 31639 +1 (229) 686 - 5290
Milledgeville Personal Loans Tech Construction E, LLC Virtual Suite 31061, Milledgeville, GA 31061
SunTrust 14 Williamsburg Ave, Thomasville, GA 31792 +1 (229) 379 - 3283
Installment Loan Experts 142 Flagstone Way, Acworth, GA 30101 +1 (855) 894 - 3350
Covington Credit 1257 Washington Rd, Thomson, GA 30824 +1 (706) 595 - 7722
Check Into Cash Title Pawn 1436 Hwy 16 West, Griffin, GA 30223 +1 (770) 467 - 0813
SouthState Bank 575 S Main St, Cleveland, GA 30528 +1 (706) 219 - 1000
Aplus Financial Services, Inc #04 1820 N Brown Rd SUITE 50, Lawrenceville, GA 30043 +1 (678) 847 - 6106

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Clarkdale, GA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan Without a Credit Check in Douglasville, GA, Payday Loans in Evans, GA, No Credit Check Loans in Gainesville, GA, Payday Loan Without a Credit Check in Hinesville, GA, Emergency Loan in Kennesaw, GA, Payday Loans in Lagrange, GA, Short-term Loans in Mableton, GA and Quick Loan in Macon, 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 Clarkdale, GA.

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

00000

Are Payday Loans Legal In Clarkdale, 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

Clarkdale, GA payday loan calculator

Clarkdale, Georgia is a small town located in the northern part of the state. Like many other places in the United States, payday loans are illegal in Georgia, including in Clarkdale.

What are payday loans?

Payday loans are a type of short-term loan that are typically due on the borrower’s next payday. These loans are designed for individuals who need quick cash and cannot wait until their next paycheck. They are typically used to cover unexpected expenses, such as a car repair or medical bill.

The process of obtaining a payday loan is relatively simple. The borrower typically provides proof of income and a post-dated check for the amount of the loan plus fees. The lender gives the borrower the cash and holds onto the check until the due date, which is typically two weeks later. If the borrower cannot pay the loan back by the due date, they can roll it over, or extend it, for an additional fee.

Why are payday loans illegal in Georgia?

In 2004, the Georgia state legislature passed a law that made payday lending illegal in the state. This law was designed to protect consumers from the high interest rates and fees associated with payday loans. The law caps the interest rate on small loans at 16% per year and prohibits lenders from making loans of $3,000 or less unless they are licensed to do so.

In addition, the law specifies that lenders cannot:

  • Charge more than 10% interest on a loan
  • Charge any fees other than interest, such as application fees or processing fees
  • Make loans to members of the military

The penalties for violating these laws can be significant, including fines, revoked licenses, and even criminal charges.

What are the alternatives to payday loans?

If you find yourself in need of cash and cannot wait until your next paycheck to cover your expenses, there are alternatives to payday loans. Some options include:

  • Asking family or friends for a loan
  • Using a credit card
  • Taking out a personal loan from a bank or credit union

Each of these options has its own pros and cons, so it is important to weigh them carefully before making a decision.

About TheGuaranteedLoans

TheGuaranteedLoans is a connector service that helps borrowers connect with potential lenders. Although we are not a direct lender, we work with a network of trusted lenders who offer a variety of loan options, including personal loans, installment loans, and payday loans in states where they are legal. Applying for a loan through TheGuaranteedLoans is simple and can be done online from the comfort of your own home.

Interesting facts and statistics about payday loans in the US

  • The average payday loan borrower takes out eight loans per year
  • Payday loans are most commonly used to cover unexpected expenses or to pay for everyday expenses, such as rent or utilities
  • The average annual percentage rate (APR) on a payday loan is 400% or more
  • In some states, the average APR on a payday loan can be as high as 700%
  • In 2016, the Consumer Financial Protection Bureau (CFPB) released a report that found that over 80% of payday loans are rolled over or renewed within two weeks

Apply Now

If you are in need of a loan, TheGuaranteedLoans can help connect you with potential lenders. Applying for a loan through our website is quick and easy. Simply fill out our online application, which takes just a few minutes, and we will match you with lenders who may be able to offer you a loan. Remember, we are a connector service, not a direct lender, so we cannot guarantee approval or provide specific loan terms. However, our network of trusted lenders offers a variety of loan options, so you can find the loan that works best for your needs.

F.A.Q.

Are there any other options for fast cash in Clarkdale, Georgia?

Consumers in Clarkdale, Georgia may be able to access funds through a credit union or bank loan, or by using a credit card or personal loan. It is also possible to sell assets or ask friends or family for financial assistance.

Are payday loans legal in Clarkdale, Georgia?

No, payday loans are prohibited in the state of Georgia.