Payday Loans in High Shoals, Georgia

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

Company nameAddressZip codePhone number
World Finance 1059 Highway 19 N, Thomaston, GA 30286 +1 (706) 938 - 6456
Reliable Finance Co 132 S Broad St, Monroe, GA 30655 +1 (770) 267 - 2577
Cash Now Ani More 608 W Hill Ave, Valdosta, GA 31601 +1 (229) 249 - 7772
Quitman Finance Co 210 E Screven St, Quitman, GA 31643 +1 (229) 263 - 4333
Lee Discount Loan Co 125 NW Main St, Vidalia, GA 30474 +1 (912) 537 - 3873
Driver & Adams 403 Highway St, Thomaston, GA 30286 +1 (706) 647 - 1924
SunTrust Bank 4105 Old Milton Pkwy, Alpharetta, GA 30005 +1 (770) 407 - 0500
Ameris Bank 114 6th Ave, Buena Vista, GA 31803 +1 (229) 649 - 4600
World Finance 2155 N Elm St, Commerce, GA 30529 +1 (706) 335 - 7504
Cash America Pawn 7471 Hwy 85 Suite C & D, Riverdale, GA 30274 +1 (770) 996 - 5300

Payday Loan Companies in Nearby Cities

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

Are Payday Loans Legal In High Shoals, 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

High Shoals, GA payday loan calculator

Payday Loans in High Shoals, Georgia: What You Need to Know

Payday loans can seem like a quick fix when you’re in a tight spot financially, but before you consider taking out one of these loans, it’s important to understand the laws and regulations surrounding payday lending in your state. In Georgia, payday loans are prohibited, including in the city of High Shoals.

Despite this, many individuals in High Shoals and other areas of Georgia may be tempted to turn to payday loans to cover unexpected expenses or bills. However, there are other options available for those who need financial assistance without risking debt cycles and high interest rates.

The Ins and Outs of Payday Loans in Georgia

A payday loan is a short-term loan that typically requires the borrower to repay the full amount, plus interest and fees, by their next payday. However, in Georgia, payday loans are prohibited by state law, which means that lenders cannot offer these types of loans to consumers in the state.

While some borrowers may turn to online lenders or lenders from other states in an attempt to secure a payday loan, doing so can carry significant risks. Not only is it illegal for lenders to offer payday loans in Georgia, but the interest rates and fees associated with these loans can be extremely high, often trapping borrowers in a cycle of debt and financial instability.

Alternatives to Payday Loans in High Shoals

If you’re in need of financial assistance in High Shoals, there are other options available that can help you avoid the risks associated with payday loans.

  • Personal Loans: Personal loans are a type of installment loan that typically have lower interest rates and longer repayment terms than payday loans. These loans can be used to cover unexpected expenses, consolidate debt, or make a large purchase.
  • Credit Counseling: A credit counselor can work with you to create a budget and financial plan that can help you manage your debt and improve your financial situation over time.
  • Local Assistance Programs: Many local organizations and nonprofits offer financial assistance programs for individuals and families facing financial hardship. These programs can include rent and utility assistance, food assistance, and other forms of aid.

Interesting Facts and Statistics About Payday Loans in High Shoals, Georgia

  • Payday loans are illegal in Georgia: As mentioned earlier, payday loans are prohibited in the state of Georgia, including in High Shoals. Any lender offering these types of loans is doing so illegally and can face significant legal penalties.
  • The average APR for payday loans in Georgia is 460%: Despite being illegal, some borrowers in Georgia turn to payday lenders to secure short-term loans. According to data from the Center for Responsible Lending, the average APR for a payday loan in Georgia is a staggering 460%.

Apply Now

If you’re in need of financial assistance in High Shoals or the surrounding area, TheGuaranteedLoans can help connect you with potential lenders who offer personal loans. While we are not a direct lender, we are a connector service that can help you find a loan that fits your financial needs and goals. To get started, fill out our online application today.

Remember, when it comes to short-term loans and financial assistance, it’s important to understand the laws and regulations in your state and to explore all your options carefully before making a decision.

F.A.Q.

Can a payday loan company report me to a credit bureau in High Shoals, Georgia?

No, a payday loan company cannot report you to a credit bureau in High Shoals, Georgia because these loans are illegal in the state.

Can a payday loan company take me to court in High Shoals, Georgia?

No, a payday loan company cannot take you to court in High Shoals, Georgia because these loans are illegal in the state.