Payday Loans in Concord, Georgia

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

Company nameAddressZip codePhone number
Check Into Cash 206 Russell Pkwy, Warner Robins, GA 31093 +1 (478) 923 - 3305
Complete Cash 602 Alabama Ave, Bremen, GA 30110 +1 (678) 821 - 3300
Service Loans & Income Tax 75 S Park Ln, Toccoa, GA 30577 +1 (706) 886 - 1000
1st Franklin Financial 621 US-441 #4, Clayton, GA 30525 +1 (706) 782 - 4256
Pioneer Credit Company 951 Forrester Dr SE, Dawson, GA 39842 +1 (229) 337 - 2547
BB&T 110 N Camellia Blvd, Fort Valley, GA 31030 +1 (478) 825 - 7741
World Finance 120 Tom Hill Sr Blvd Ste 104, Macon, GA 31210 +1 (478) 477 - 4021
TitleMax Title Pawns 744 Bankhead Hwy Ste B, Carrollton, GA 30117 +1 (770) 834 - 3209
First State Bank of Bainbridge 1200 E Shotwell St, Bainbridge, GA 39819 +1 (229) 246 - 9710
DolEx Dollar Express 737 Roswell St NE suite 201-a, Marietta, GA 30060 +1 (888) 246 - 2527

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Concord, GA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Redan, GA, Payday Loan Without a Credit Check in Rome, GA, No Credit Check Loans in Roswell, GA, Payday Loan for Savannah, GA, Quick Loan in Smyrna, GA, Payday Loans in Statesboro, GA, Payday Loans in Tucker, GA and Payday Loan for Valdosta, 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 Concord, GA.

Beautiful sights of Concord, GA

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

30206

Are Payday Loans Legal In Concord, 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

Concord, GA payday loan calculator

Payday Loans in Concord, Georgia: What You Need to Know

If you are considering taking out a payday loan in Concord, Georgia, it is important to know that these loans are prohibited in the state. This means that there are no physical payday lender locations in Concord or anywhere else in Georgia. However, there are still lenders who offer online payday loans. In this article, we will cover everything you need to know about payday loans in Concord, Georgia, including alternatives to payday loans, the risks of online payday loans, and how to access financial resources in your community.

What are Payday Loans?

Payday loans are short-term loans that are typically due on the borrower’s next payday. They are often used by people who need quick cash to cover emergency expenses, such as car repairs or medical bills. Payday loans are usually for small amounts, ranging from $100 to $1,000, and have high interest rates and fees.

The average payday loan has an interest rate of 400%, which can make it difficult for borrowers to repay the loan on time and in full. This can lead to a cycle of debt in which the borrower takes out a new payday loan to pay off the old one, accruing more debt in the process.

Why are Payday Loans Prohibited in Georgia?

Payday loans are prohibited in Georgia because they are considered predatory and can trap borrowers in a cycle of debt. The Georgia Industrial Loan Act of 1955 made it illegal to charge more than 60% interest on loans of $3,000 or less. This law applies to payday loans and other small loans, effectively banning payday lending in the state.

Alternatives to Payday Loans in Concord, Georgia

While payday loans are not an option in Concord, Georgia, there are other forms of credit available to borrowers. Some alternatives to payday loans include:

  • Credit cards
  • Personal loans
  • Installment loans
  • Credit counseling
  • Financial assistance programs

These alternatives may have lower interest rates and fees than payday loans, making them a more affordable option for borrowers.

The Risks of Online Payday Loans

While payday loans are prohibited in Georgia, there are still lenders who offer online payday loans. It is important to be cautious when considering these loans, as they can be even riskier than traditional payday loans.

Online payday loans often have higher interest rates and fees than traditional payday loans, and they can be more difficult to repay due to the lack of in-person interaction with the lender. Additionally, online payday lenders may have less stringent requirements for loan approval, which can lead to borrowers taking out loans that they cannot afford to repay.

Financial Resources in Concord, Georgia

If you are in need of financial assistance in Concord, Georgia, there are resources available to you. Some options include:

  • Non-profit credit counseling agencies
  • Local community organizations
  • Government assistance programs
  • Local banks and credit unions

These resources can provide you with information and guidance on how to manage your finances and access affordable credit.

Interesting Facts and Statistics

  • In Georgia, the average payday loan borrower has an income of $25,000 per year.
  • The average payday loan in Georgia is for $402.
  • Payday lenders in Georgia charge an average interest rate of 400%.
  • In 2019, the Georgia General Assembly passed a bill that would have legalized payday lending in the state, but the bill ultimately failed to become law.

Apply Now

If you need financial assistance, TheGuaranteedLoans can help connect you with potential lenders. Our online application process is simple and secure, and we work with a network of trusted lenders to help you find the loan that best fits your needs. Please note that TheGuaranteedLoans is not a direct lender and does not make credit decisions.

Apply now and take the first step towards getting the financial help you need.

F.A.Q.

Can I be arrested for not paying back an illegal payday loan in Concord, Georgia?

No, you cannot be arrested for not paying back an illegal payday loan in Concord, Georgia.

Can I be harassed or threatened by a lender for not paying back an illegal payday loan in Concord, Georgia?

No, you cannot be harassed or threatened by a lender for not paying back an illegal payday loan in Concord, Georgia. If you have been harassed or threatened, you can report the lender to the Georgia State Department of Financial Services.