Payday Loans in Meldrim, Georgia

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

Company nameAddressZip codePhone number
Reliable Finance & Tax Services 210 S Jefferson St, Dublin, GA 31021 +1 (478) 275 - 4600
Title Credit Finance, Inc. 3009 Buford Hwy NE, Atlanta, GA 30329 +1 (404) 486 - 0862
Mariner Finance 3740 Macon Rd A, Columbus, GA 31907 +1 (706) 568 - 4006
Airport Credit Corporation 500 W Lanier Ave # 102, Fayetteville, GA 30214 +1 (770) 716 - 5105
Title Credit Finance, Inc. 4144 Pio Nono Ave, Macon, GA 31206 +1 (478) 785 - 3272
Western Finance 561 Forest Pkwy # 6, Forest Park, GA 30297 +1 (404) 608 - 8830
Queensborough National Bank and Trust 549 W Hill St, Thomson, GA 30824 +1 (706) 597 - 8500
Sunset Finance 125 John W Morrow Jr Pkwy, Gainesville, GA 30501 +1 (770) 535 - 8310
Complete Cash LLC 2851 Cobb Pkwy N #104, Kennesaw, GA 30152 +1 (770) 420 - 2730
ACE Cash Express 350 Shallowford Rd Ste D, Gainesville, GA 30504 +1 (770) 503 - 7376

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Meldrim, GA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Douglasville, GA, Payday Loans in Evans, GA, Guaranteed Loans in Gainesville, GA, Payday Loans in Hinesville, GA, Payday Loan Companies in Kennesaw, GA, Payday Loan for Lagrange, GA, Payday Loans in Mableton, GA and Payday Loans in Macon, 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 Meldrim, GA.

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

31302, 31318

Are Payday Loans Legal In Meldrim, 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

Meldrim, GA payday loan calculator

Payday Loans in Meldrim, Georgia – What You Need to Know

Payday loans have become increasingly popular over the years, as they offer quick and easy access to cash for those who are in urgent need. However, the laws around payday loans in Meldrim, Georgia, and in the state of Georgia as a whole, are strict and prohibit payday lending altogether.

What Are Payday Loans?

A payday loan is a short-term loan that is typically due on your next payday. They are usually unsecured loans, meaning that you don’t have to provide collateral in order to borrow the money. Instead, the lender will require a post-dated check or authorization to debit your bank account for the loan amount plus fees.

The loan amount is usually only a few hundred dollars, and the loan term is usually no longer than two weeks. The fees on payday loans can be quite high, and can often be equivalent to an annual percentage rate (APR) of over 400%.

The Prohibition of Payday Loans in Meldrim and Georgia

In 2004, Georgia passed legislation that prohibited payday lending in the state. The Industrial Loan Act of 1955 was amended to include payday lending, and lenders who continue to offer payday loans in Georgia are in violation of the law.

In Meldrim, it is illegal for any lender to offer a payday loan to a resident of the town. This means that if you find a lender that is willing to offer you a payday loan in Meldrim, you should steer clear.

Alternatives to Payday Loans in Meldrim, Georgia

Although payday loans are prohibited in Meldrim and Georgia, there are still options available if you are in need of cash. Some alternatives to payday loans include:

  • Personal loans from a bank or credit union
  • Credit card cash advances
  • Installment loans
  • Borrowing from family or friends
  • Selling items you no longer need or want

It’s important to consider the terms and fees of any alternative option before taking out a loan or borrowing money. Personal loans and credit card cash advances may have lower fees and interest rates than payday loans, while installment loans may be a better option if you need a longer repayment period.

Interesting Facts and Statistics About Payday Loans in Georgia

  • Georgia is one of only 16 states that prohibit payday lending.
  • In states where payday lending is legal, the average APR on a payday loan is 400%.
  • According to a study by the Consumer Financial Protection Bureau (CFPB), 80% of payday loans are rolled over or followed by another loan within 14 days.
  • Payday lending in Georgia was estimated to cost consumers over $154 million in fees and interest in 2015.

Apply Now

Although payday loans are not legal in Meldrim or Georgia, if you are in need of cash, TheGuaranteedLoans can connect you with potential lenders who offer alternatives such as personal loans and installment loans. We are not a direct lender, but a connector service that can help you find the right lender for your needs.

Our online application process is quick and easy, and you could receive an offer in just minutes. Simply fill out our online application form and let us help you find the cash you need.

Note: Payday loans in Meldrim, Georgia are prohibited. TheGuaranteedLoans offers alternative loan options that may be available to you. Please make sure to carefully review the terms and fees of any loan offer before accepting.

Conclusion

Payday loans may seem like a quick and easy solution when you’re in need of cash, but with the strict laws in Georgia, they are not an option for residents of Meldrim. Luckily, there are alternatives available that can help you get the money you need without putting you in a cycle of debt.

Remember, always read the fine print and make sure you understand the terms and fees of any loan before accepting. And if you are in need of cash, consider talking to a financial advisor who can help you come up with a plan to improve your financial situation in the long term.

F.A.Q.

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

No, taking out an illegal payday loan in Meldrim, 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 Meldrim, Georgia?

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