Payday Loans in Crescent, Georgia

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

Company nameAddressZip codePhone number
Thrivent Financial for Lutherans 107 Spring St, Tallapoosa, GA 30176 +1 (470) 357 - 2906
United Community Bank 6670 Church St, Douglasville, GA 30134 +1 (770) 942 - 5681
Georgia Auto Pawn, Inc. 351 Canton Rd, Cumming, GA 30040 +1 (770) 205 - 4324
Loanmax Title Loans 910 S Park St Ste A, Carrollton, GA 30117 +1 (770) 830 - 1075
F&M Bank & Trust 142 W Main St, Manchester, GA 31816 +1 (706) 846 - 8415
Northside Pawn Shop Old Hwy 19 S, Thomaston, GA 30286 +1 (706) 648 - 2466
United Community Bank 65 Washington St, Fairburn, GA 30213 +1 (770) 964 - 1551
Blocker Check Cashing 507 E Broad St, Wrens, GA 30833 +1 (706) 547 - 0018
Money Depot 2108 N Ashley St, Valdosta, GA 31602 +1 (229) 245 - 8000
Lendmark Financial Services LLC 2600 N Columbia St C-1, Milledgeville, GA 31061 +1 (478) 454 - 2223

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Crescent, GA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Statesboro, GA, Payday Loans in Tucker, GA, Payday Loans in Valdosta, GA, Payday Loan Companies in Warner Robins, GA, Online Loans in Albany, GA, 24-Hour Loan in Alpharetta, GA, Payday Loans in Atlanta, GA and Payday Loans in Columbus, 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 Crescent, GA.

Beautiful sights of Crescent, GA

Are Payday Loans Legal In Crescent, 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

Crescent, GA payday loan calculator

Payday loans are a type of short-term loan, often called cash advances, that borrowers take out against their next paycheck. These loans can be useful for unexpected expenses or emergencies, but they come with high-interest rates and fees. In Georgia, payday loans are illegal, including Crescent, the beautiful city located in the state’s western part.

What are payday loans?

Payday loans are short-term loans that are designed to provide quick cash to consumers who need it. Typically, these loans are for small amounts ranging from $100 to $1000, and the borrower is required to repay the loan on their next payday.

Payday loans are popular among people who need money quickly and don’t have access to other forms of credit. In many cases, payday loans are used to cover unexpected expenses, such as car repairs or medical bills. However, because they come with high-interest rates and fees, payday loans can be challenging to pay back, and they often leave borrowers in worse financial shape than they were before they took out the loan.

The legality of payday loans in Georgia

In Georgia, payday loans are illegal under the Georgia Industrial Loan Act (GILA). The state of Georgia enacted legislation in 2004 that specifically prohibited payday loans, and the courts defined payday loans as any loan with a term of less than 12 months and an interest rate higher than 16%.

Since then, Georgia state has maintained strict rules and regulations regarding payday loans. Even tribal lenders and out-of-state lenders cannot operate in Georgia, and trying to offer such services is considered a criminal offense punishable under the state’s usury and racketeering laws.

Why are payday loans illegal in Georgia?

The payday loan industry has been notorious for taking advantage of vulnerable consumers. Georgia’s lawmakers understood that the predatory nature of payday lending often ends up trapping borrowers in a cycle of debt that they cannot escape. Lawmakers acted in the best interest of the public by instituting regulations to protect consumers and controlling the reckless actions of payday lenders.

Interesting facts about payday loans in Crescent, Georgia

  • The average American payday borrower spends an average of five months out of the year in debt.
  • On average, payday borrowers take out eight loans per year.
  • The average payday loan in the United States is $375 and carries an average fee of $55 per two weeks.
  • Payday loan companies make more than $7 billion in revenue each year.
  • The APR on a typical two-week payday loan can be as high as 400%.

Apply now

Although payday lending is illegal in Georgia, that doesn’t mean you don’t have other options. If you are in need of short-term financing, visit TheGuaranteedLoans and fill out an application. We are a connector service that can help you find the right lender for your situation, even if you have bad credit.

Remember, always read the terms and conditions of any loan carefully before agreeing to it. Ensure that the lender is reputable and that you understand the interest rate, fees, and repayment terms before accepting any loan offer.

F.A.Q.

What should I do if a payday loan lender is threatening me with legal action in Crescent, Georgia?

If a payday loan lender is threatening you with legal action in Crescent, Georgia, you should contact the Georgia State Department of Financial Services to report the lender's actions. The department may be able to help you resolve the issue and protect your rights.

Is it possible to get a payday loan from a lender in another state and use it in Crescent, Georgia?

No, it is not possible to get a payday loan from a lender in another state and use it in Crescent, Georgia. Payday loans are illegal in Crescent, Georgia, regardless of where the lender is located.