Payday Loans in McIntyre, Georgia

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

Company nameAddressZip codePhone number
Title Pawn of Waycross 508 City Blvd, Waycross, GA 31501 +1 (912) 283 - 5100
AgGeorgia Farm Credit 1207 S Greer St, Cordele, GA 31015 +1 (229) 273 - 3927
Security Finance 12246 Columbia Rd b, Blakely, GA 39823 +1 (229) 723 - 2552
1st Franklin Financial 903 N Church St, Thomaston, GA 30286 +1 (706) 647 - 8410
Personal Finance 112 E Ogeechee St, Sylvania, GA 30467 +1 (912) 564 - 2339
1800NewDeal 560 Thornton Rd STE 101, Lithia Springs, GA 30122 +1 (678) 626 - 6859
Western Finance 240 Dawson Village Way N, Suite 130, Dawsonville, GA 30534 +1 (706) 265 - 8950
Gateway One Lending & Finance 13560 Morris Rd, Alpharetta, GA 30004 +1 (678) 393 - 5555
Bank of America Financial Center 1900 Mall of Georgia Blvd, Buford, GA 30519 +1 (770) 932 - 7150
United Community Bank 3310 Henderson Mill Rd, Atlanta, GA 30341 +1 (770) 621 - 9797

Payday Loan Companies in Nearby Cities

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

Beautiful sights of McIntyre, GA

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

31054

Are Payday Loans Legal In McIntyre, 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

McIntyre, GA payday loan calculator

Understanding Payday Loans in McIntyre, Georgia

Payday loans are widely known as short-term, high-interest loans, often taken out by borrowers with poor credit or low incomes. These loans are designed to provide quick relief for financial emergencies. In Georgia, however, payday loans are prohibited by state law, including McIntyre.

Why Are Payday Loans Prohibited in Georgia?

In 2004, Georgia enacted the Georgia Industrial Loan Act, allowing for small loans with a maximum interest rate of 60 percent per year. However, the act did not allow for payday loans to be offered in the state.

In response to the lack of regulation around payday loans, the Georgia General Assembly passed the Payday Lending Act in 2004. This act made payday lending illegal in the state of Georgia, including McIntyre.

What Are the Alternatives to Payday Loans in McIntyre?

While payday loans may seem like a quick fix for financial emergencies, they often lead to a cycle of debt and can have high interest rates, hidden fees, and penalties that can make repayment difficult or even impossible. Instead of taking out a payday loan, there are several alternatives available to you:

  • Personal loans from a credit union or bank
  • Borrowing from friends or family members
  • Working with a debt counseling service

It is important to exhaust all other resources before seeking out a payday loan, especially in Georgia, where they are illegal.

Interesting Facts about Payday Loans in McIntyre, Georgia

  • Georgia is one of only 18 states where payday lending is illegal
  • In 2016, Georgia’s Supreme Court upheld the state’s ban on payday loans, stating that payday lending violates the state’s racketeering laws
  • The Georgia Department of Banking and Finance continues to monitor lenders in the state to ensure compliance with the Payday Lending Act

Apply Now

If you are in need of financial assistance in McIntyre, Georgia, TheGuaranteedLoans can help. As a connector service, we work with a network of potential lenders to provide you with fast and easy access to funding.

It is important to remember that TheGuaranteedLoans is not a direct lender, but rather a facilitator connecting our clients with lenders who can help meet their financial needs. Applying through our website is secure and confidential, and you can receive a loan decision in minutes. Simply fill out our online application to get started.

Our goal is to help our clients obtain the funding they need while promoting smart borrowing practices. We encourage you to explore all your options before pursuing a payday loan, and we are here to help you every step of the way.

F.A.Q.

Can I be sued or have my wages garnished if I default on a payday loan in McIntyre, Georgia?

No, because payday loans are illegal in McIntyre, Georgia, lenders cannot sue borrowers or garnish their wages for non-payment.

Are there any protections for borrowers who take out illegal payday loans in McIntyre, Georgia?

Yes, the state of Georgia has established several protections for borrowers who may be misled or exploited by illegal payday lenders. These include the right to cancel a loan within five days, the right to dispute any charges or fees, and the right to seek legal assistance.