Payday Loans in Jacksonville, Georgia

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

Company nameAddressZip codePhone number
Sunset Finance of McDonough 256 Keys Ferry St, McDonough, GA 30253 +1 (770) 288 - 2096
SunTrust Bank 4890 Golden Pkwy, Buford, GA 30518 +1 (678) 804 - 5430
1st Franklin Financial 91 Highland Dr Suite 106, East Ellijay, GA 30540 +1 (706) 276 - 4620
487-Loan Homerville, GA 31634 +1 (912) 487 - 5626
TitleBucks Title Pawns 7603 GA-85, Riverdale, GA 30274 +1 (770) 472 - 9022
Synovus - Bank of North Georgia 120 N Carroll St, Bowdon, GA 30108 +1 (770) 576 - 4471
Ameris Bank 102 Newnan Crossing Bypass, Newnan, GA 30265 +1 (404) 553 - 2325
Covington Credit 2475 Jefferson Rd #600, Athens, GA 30607 +1 (706) 354 - 0021
Cash America Pawn 7471 Hwy 85 Suite C & D, Riverdale, GA 30274 +1 (770) 996 - 5300
TitleMax Title Pawns 744 Bankhead Hwy Suite B, Carrollton, GA 30117 +1 (770) 834 - 3209

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Jacksonville, GA, you can try to find different companies in big cities near by. Check out the following pages here: Bad Credit Loans in Albany, GA, Payday Loans in Alpharetta, GA, Payday Loan Without a Credit Check in Atlanta, GA, Payday Loans in Columbus, GA, Guaranteed Loans in Dalton, GA, Payday Loan Without a Credit Check in Douglasville, GA, No Credit Check Loans in Evans, GA and Payday Loans in Gainesville, 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 Jacksonville, GA.

Beautiful sights of Jacksonville, GA

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

31544

Are Payday Loans Legal In Jacksonville, 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

Jacksonville, GA payday loan calculator

The Truth About Payday Loans in Jacksonville, Georgia

Payday loans are a type of short-term loan that is typically due on the borrower’s next payday. A borrower typically writes a post-dated check or gives authorization for a withdrawal from their bank account for the amount of the loan plus interest and fees. While payday loans may be an attractive option for those who need money quickly, they can also be a form of financial exploitation. In Georgia, payday loans are illegal, and many people are looking for information on payday loans and similar lending options in Jacksonville.

Why are Payday Loans Illegal in Georgia?

In 2004, Georgia became one of 18 states to ban payday loans outright. This was in response to many complaints from consumers who were experiencing financial distress due to the predatory practices of some payday lenders. The government stepped in to protect its citizens and introduced legislation to regulate the payday lending industry.

Payday loans can be incredibly costly, with an average annual interest rate of 400% or more. A borrower may take out a loan for $500, but end up paying back $1,000 or more. This high-interest rate can lead to a cycle of debt in which the borrower has to continually borrow more money to pay off the original loan.

Alternatives to Payday Loans in Jacksonville, Georgia

While it may be tempting to take out a payday loan when you’re in a financial bind, there are other options available in Jacksonville. These include:

  • Personal Loans: These loans allow you to borrow money for a variety of purposes and are typically repaid over a longer period of time than payday loans. They usually have a lower interest rate and provide more flexible repayment options.
  • Credit Union Loans: Many credit unions offer loans to their members at lower interest rates than payday lenders. They may also offer financial counseling and other services to help you improve your financial situation.
  • Credit Cards: While credit cards can come with high interest rates, they may be a better option than payday loans if you have good credit. Some credit cards offer introductory 0% interest rates, which can give you some breathing room as you pay down your debt.
  • Government Assistance Programs: There are many government assistance programs available to residents of Jacksonville who are experiencing financial hardship. These include food assistance, housing assistance, and medical assistance, among others.

Interesting Facts and Statistics about Payday Loans in Jacksonville, Georgia

  • Georgia is one of 18 states that have banned payday loans outright.
  • In 2017, Georgians paid over $500 million in payday loan fees and interest.
  • The average payday loan in Georgia is $385, and the average borrower takes out eight loans per year.
  • Over 80% of payday loans in Georgia are rolled over or renewed, which means borrowers are unable to pay off their loan and end up paying more in fees and interest.
  • Payday lending is considered a form of financial exploitation, as it preys on vulnerable consumers who are in desperate need of money.

Apply Now

If you’re in need of a loan, TheGuaranteedLoans is here to help. As a connector service, we can connect you with a network of potential lenders who may be willing to offer you a loan. Our application process is quick and easy, and you can receive funds in as little as 24 hours. Remember, we are not a direct lender, and we do not make credit decisions. Our goal is to facilitate your connection with a lender who can provide you with the financial assistance you need.

Apply now on our website, and take the first step towards a brighter financial future.

F.A.Q.

Can I be charged with a crime for taking out a payday loan in Jacksonville, Georgia?

It is illegal for lenders to offer payday loans in Jacksonville, Georgia, so borrowers cannot be charged with a crime for taking out a payday loan. However, lenders may face criminal charges for engaging in illegal lending practices.

What should I do if I have already taken out a payday loan in Jacksonville, Georgia?

If you have already taken out a payday loan in Jacksonville, Georgia, you should contact the lender to try to negotiate a repayment plan. If the lender is unwilling to work with you, you may want to seek out alternative forms of financing or seek legal advice.