Payday Loans in Danville, Georgia

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

Company nameAddressZip codePhone number
Navy Federal Credit Union 730 S Main St, Hinesville, GA 31313 +1 (888) 842 - 6328
United Community Bank 2055 Homer Rd, Commerce, GA 30529 +1 (706) 423 - 9300
Globe Financial Services 630 Love Ave, Tifton, GA 31794 +1 (229) 382 - 1714
Regions Bank 300 S Peachtree Pkwy, Peachtree City, GA 30269 +1 (770) 305 - 5020
BB&T 201 E 4th St, Adel, GA 31620 +1 (229) 896 - 4581
S.A.M. Check Cashing Machine 657 College St, Cuthbert, GA 39840 +1 (229) 732 - 2352
Colquitt County Teachers Federal Credit Union 720 28th Ave SE, Moultrie, GA 31768 +1 (229) 890 - 6214
SunTrust Bank 103 City Cir, Peachtree City, GA 30269 +1 (678) 632 - 9270
ACE Cash Express 3570 Memorial Dr Ste 104, Decatur, GA 30032 +1 (404) 284 - 9411
LoanMax Title Loans 3619 Mercer University Dr, Macon, GA 31204 +1 (478) 757 - 7841

Payday Loan Companies in Nearby Cities

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

Beautiful sights of Danville, GA

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

31017

Are Payday Loans Legal In Danville, 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

Danville, GA payday loan calculator

The Truth about Payday Loans in Danville, Georgia

There are times in life when unexpected expenses arise, and we find ourselves in need of quick cash. Payday loans have long been a popular option for those who need a small sum of money quickly and don’t want to go through the hassle of a traditional loan application process. However, payday loans come with high-interest rates, and it’s essential to know the risks before considering one.

In Danville, Georgia, payday loans are forbidden by law. This means that any company offering payday loans in Danville is breaking the law and should be avoided.

What Are Payday Loans, and How Do They Work?

Payday loans are small, short-term loans that are usually due on the borrower’s next payday. They typically have high-interest rates and fees and are an expensive form of credit. In a typical payday loan scenario, a borrower writes a postdated check to the lender in exchange for cash. When the loan is due, the lender cashes the check, and the loan is paid off. If the borrower can’t repay the loan on time, they can roll it over, but this means paying more interest and additional fees.

Why Are Payday Loans Prohibited in Georgia?

In Georgia, payday loans are forbidden, and for a good reason. These loans often trap people in cycles of debt, making it difficult for them to pay off the loan and the high-interest rates. Georgia lawmakers recognized these risks and made it illegal to offer payday loans in the state.

  • According to a report by the Center for Responsible Lending, the average interest rate on a payday loan in Georgia is 187%.
  • Georgia has one of the highest concentrations of payday lenders in the country, with over 1,000 stores.
  • In 2016, Georgia borrowers paid over $460 million in fees to payday lenders.
  • The majority of Georgia payday loan borrowers are low-income and lack access to other forms of credit.

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

Fortunately, there are alternatives to payday loans in Danville, Georgia. These include:

  • Credit Union Loans: Local credit unions often offer small, short-term loans with lower interest rates than payday loans.
  • Personal Loans: Borrowers can consider a personal loan from a bank or online lender that offers lower interest rates and longer repayment terms than payday loans.
  • Credit Counseling: Nonprofit organizations like the National Foundation for Credit Counseling offer free or low-cost credit counseling services that can help borrowers manage their debt and finances.

Applying for Online Loans with TheGuaranteedLoans

While payday loans are not an option in Danville, Georgia, you may still find yourself in need of quick cash. If this is the case, online loans may be a viable alternative, and TheGuaranteedLoans can help.

TheGuaranteedLoans is a connector service that does not lend money directly. Instead, we work with a network of trusted lenders to connect borrowers with potential loan options. Our online application process is straightforward, and you can receive a loan decision in minutes. If approved, funds can be deposited into your bank account as soon as the next business day.

Apply for a loan with TheGuaranteedLoans today and get connected with a potential lender that can help you get the cash you need.

F.A.Q.

Can I be arrested for taking out a payday loan in Danville, Georgia?

It is unlikely that a borrower would be arrested for taking out a payday loan in Danville, Georgia, as the focus of enforcement efforts is typically on the lenders, rather than the borrowers. However, borrowers who knowingly engage in illegal activities, such as providing false information to a lender or participating in a loan scheme, may face criminal charges.

Are there any other resources available to help me avoid predatory lending in Danville, Georgia?

Yes, there are several resources available to help consumers avoid predatory lending in Danville, Georgia, including the state's Consumer Financial Protection Bureau, the Georgia State Banking Department, and the Georgia City Department of Consumer Affairs.