Payday Loans in Kingston, Georgia

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

Company nameAddressZip codePhone number
Sunset Finance 1730 N Broad St, Commerce, GA 30529 +1 (706) 336 - 6623
Parrott's 509 Barnesville St, Thomaston, GA 30286 +1 (706) 647 - 2541
Walmart Money Center 1100 N 1st St, Jesup, GA 31545
Synovus Bank 4577 Atlanta Hwy, Loganville, GA 30052 +1 (888) 796 - 6887
TitleMax Title Pawns 3194 US-278, Covington, GA 30014 +1 (770) 787 - 2063
AgSouth Farm Credit 111 E Carter Ave, Blackshear, GA 31516 +1 (912) 449 - 4701
TitleBucks Title Pawns 911 Duluth Hwy, Lawrenceville, GA 30043 +1 (678) 407 - 2225
Republic Finance 719 Turner McCall Blvd NE, Rome, GA 30165 +1 (706) 291 - 2274
TitleMax Title Pawns 928 S Park St a, Carrollton, GA 30117 +1 (678) 796 - 9670
CashMax 960 Pleasant Hill Rd K-3, Lawrenceville, GA 30044 +1 (770) 806 - 0300

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Kingston, GA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Macon, GA, Payday Loans in Marietta, GA, Payday Loan Without a Credit Check in Newnan, GA, Payday Loans in Peachtree City, GA, Online Loans in Redan, GA, Emergency Loan in Rome, GA, Payday Loans in Roswell, GA and Emergency Loan in Savannah, 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 Kingston, GA.

Beautiful sights of Kingston, GA

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

30145

Are Payday Loans Legal In Kingston, 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

Kingston, GA payday loan calculator

Understanding Payday Loans In Kingston, Georgia: What You Need To Know

When it comes to short-term financial solutions, payday loans are often the most convenient choice for people that need access to cash quickly. However, it’s important to note that payday loans are not legal in the state of Georgia. Kingston, Georgia is included in this, as well.

It’s important to understand the laws and regulations surrounding payday loans in Kingston, Georgia, and why residents should avoid using them. Let’s take a closer look at the details.

What are payday loans?

Payday loans are short-term loans that are typically due on your next payday. The amount you can borrow is usually limited, and the interest rates are very high.

Despite the high rates, payday loans have been popular with people that need cash in a hurry. Unfortunately, these loans can easily become a debt trap for borrowers, leading to a cycle of high-interest loans that are difficult to escape.

Payday loans in Kingston, Georgia

It’s important to note that payday loans are illegal in the state of Georgia, which includes Kingston. This means that there are no legal payday lenders in Kingston, and if you come across a lender claiming to offer payday loans, it’s a scam.

The state government of Georgia has taken significant steps to protect residents from the harmful effects of payday loans. In fact, Georgia is one of the few states in the US where payday lending is illegal.

Why are payday loans illegal in Georgia?

Payday loans have been widely critiqued for their high-interest rates and predatory lending practices. Georgia lawmakers have been particularly vocal about the damaging effects of these types of loans.

The Georgia Industrial Loan Act prohibits payday lending in the state, which aims to prevent lenders from charging exorbitant rates on loans.

The dangers of payday loans

Payday loans can be a slippery slope for borrowers, and it’s important to understand the risks involved. Research reports indicate that payday loans often lead to a cycle of debt that is difficult to break free from.

The high-interest rates, coupled with the short terms of these loans, often make it challenging for borrowers to repay them on time. This, in turn, can lead to more borrowing, resulting in a cycle of high interest, short-term loans.

Alternative options in Kingston, Georgia

While payday loans are not an option in Kingston, there are other short-term lending options available for people that need cash quickly. These include:

  • Personal loans from credit unions or banks
  • Pay advance apps that allow you to access your paycheck early
  • Short-term loans from reputable online lenders

It’s important to evaluate all of your options carefully and choose the one that best suits your financial needs and situation.

Interesting facts or statistics

  • In 2004, Georgia passed the Georgia Industrial Loan Act, which included payday loans and the annual interest rate limit of 60%.
  • According to the Georgia Department of Banking and Finance in 2018, no action was taken on payday lenders and only one cease and desist order was made.
  • In 2020, payday loans remained illegal in Georgia.

Apply now

If you’re in need of short-term financial assistance, consider filling out an online application through TheGuaranteedLoans. We are a reliable connector service that can help you find potential lenders that can provide you with the cash you need. Remember, we are not direct lenders, but a connection between you and a potential lender.

Fill out our online form today and get connected with lenders that can offer you the financial assistance you need.

Note: While we aim to provide information around payday loans in Kingston, Georgia, it’s important to note that payday loans are illegal in Georgia. Therefore, we don’t recommend illegal or fraudulent financial activities and promote using reputable, safe, and legitimate alternatives.

F.A.Q.

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

No, taking out an illegal payday loan in Kingston, Georgia is not a crime. However, the lender may face legal consequences for offering illegal loans.

Can I be sued for not paying back an illegal payday loan in Kingston, Georgia?

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