Payday Loans in Newton, Georgia

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

Company nameAddressZip codePhone number
Security Finance 6405 Fairburn Rd #500b, Douglasville, GA 30134 +1 (770) 942 - 5501
Loanmax 106 N Slappey Blvd # A, Albany, GA 31701 +1 (229) 888 - 2944
Cash Express 1200 N Slappey Blvd, Albany, GA 31701 +1 (229) 888 - 4151
Wells Fargo Bank 1600 Frederica Rd #1, Saint Simons Island, GA 31522 +1 (912) 634 - 2135
Central Loan & Finance Company 54 Walton St NW, Atlanta, GA 30303 +1 (404) 528 - 1674
TitleMax Title Pawns 4553 Atlanta Hwy, Loganville, GA 30052 +1 (678) 639 - 1895
SunTrust 105 W Parker St, Baxley, GA 31513 +1 (912) 785 - 6048
Complete Cash 416 Atlanta Rd, Cumming, GA 30040 +1 (678) 456 - 8023
Atlanta Check Cashers Inc 4780 Jonesboro Rd D, Union City, GA 30291 +1 (770) 969 - 6565
LendingBear 4406 Altama Ave, Brunswick, GA 31520 +1 (912) 265 - 6655

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Newton, GA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan Companies in Atlanta, GA, 24-Hour Loan in Columbus, GA, Payday Loans in Dalton, GA, Payday Loans in Douglasville, GA, Guaranteed Loans in Evans, GA, Guaranteed Loans in Gainesville, GA, Payday Loans in Hinesville, GA and Online Loans in Kennesaw, 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 Newton, GA.

Beautiful sights of Newton, GA

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

31770

Are Payday Loans Legal In Newton, 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

Newton, GA payday loan calculator

Understanding the Legality of Payday Loans in Newton, Georgia

Payday loans are short-term loans that are designed to help you bridge the gap between paychecks. These loans can be helpful in emergencies, but they can also be dangerous if you don’t use them correctly. If you are a resident of Newton, Georgia, you should know that payday loans are illegal in the state.

What are Payday Loans?

Payday loans are small loans that are often due on your next payday. These loans typically have high-interest rates and fees, and they can be difficult to pay back. Most payday lenders require that you have a steady income and an active checking account.

The problem with payday loans is that they can be a debt trap. If you can’t pay back the loan on your next payday, you may have to renew it, which means paying additional fees. Over time, the payments on a payday loan can add up, making it more difficult to pay off and potentially leading to a cycle of debt.

Payday Loans in Georgia

Payday loans are illegal in Georgia. In 2004, the Georgia General Assembly passed a law that prohibited payday lending in the state. This law applies to storefront payday lenders as well as online lenders.

The law in Georgia states that lenders cannot charge more than 10% interest on loans of $3,000 or less. Payday loans typically have much higher interest rates, which is one of the reasons they are illegal in Georgia.

Alternatives to Payday Loans

If you find yourself in a financial emergency, there are alternatives to payday loans. Here are some options to consider:

  • Credit Counseling: A credit counselor can help you create a budget and develop a plan to pay off your debt.
  • Personal Loans: If you have good credit, you may qualify for a personal loan from a bank or credit union.
  • Payment Plan: Contact your creditors and ask if you can set up a payment plan to pay off your debt over time.
  • Side Hustle: Consider taking on a side job or selling items you no longer need to make extra income.

Facts About Payday Loans in Georgia

Payday loans were banned in Georgia in 2004. Since then, many payday lenders have shut down their operations in the state.

In 2015, the average payday loan in Georgia was $255. The average APR on these loans was 460%, which is significantly higher than the legal limit in the state.

Research has shown that payday lenders target low-income and minority communities, which can perpetuate financial inequality.

Apply Now

If you are in need of financial assistance, you can apply for a loan through TheGuaranteedLoans website. We are not a direct lender, but we can connect you with potential lenders who may be able to help you. Our online application is simple and easy to complete, and we work with a network of lenders who offer a variety of loan options.

It’s important to remember that a loan is a serious financial commitment. Before you apply for a loan, make sure you understand the terms and conditions and have a plan in place to pay it back.

The Bottom Line

Payday loans are illegal in Georgia, and for good reason. These loans can trap you in a cycle of debt and make it difficult to achieve financial stability. Instead of relying on payday loans, consider alternative options such as credit counseling or personal loans. If you need assistance, TheGuaranteedLoans can help you find potential lenders who may be able to meet your needs.

Remember, it’s important to always read the fine print and understand the terms and conditions of any loan before you sign on the dotted line.

F.A.Q.

What should I do if a payday loan lender is threatening me with legal action in Newton, Georgia?

If a payday loan lender is threatening you with legal action in Newton, Georgia, you should contact the Georgia State Department of Financial Services to report the lender's actions. The department may be able to help you resolve the issue and protect your rights.

Is it possible to get a payday loan from a lender in another state and use it in Newton, Georgia?

No, it is not possible to get a payday loan from a lender in another state and use it in Newton, Georgia. Payday loans are illegal in Newton, Georgia, regardless of where the lender is located.