Payday Loans in Ochlocknee, Georgia

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

Company nameAddressZip codePhone number
TitleMax 686 Powder Springs St SW, Marietta, GA 30064 +1 (770) 514 - 8977
World Finance 580 Atlanta Rd Ste 226, Cumming, GA 30040 +1 (770) 887 - 3076
Title Exchange 105 S River St, Calhoun, GA 30701 +1 (706) 629 - 8794
Covington Credit Corporation Lawrenceville, GA 30045 +1 (770) 466 - 4656
Yamamoto Auto LLC 853 S Peachtree St 101, Norcross, GA 30071 +1 (770) 416 - 4040
Atlanta Check Cashers 6805 GA-85, Riverdale, GA 30274 +1 (770) 996 - 4445
The Wright Credit Union 286 Broad St, Toccoa, GA 30577 +1 (706) 886 - 2908
Queensborough National Bank & Trust 107 US-1, Louisville, GA 30434 +1 (478) 625 - 2012
World Finance 1202 Columbia Dr, Decatur, GA 30032 +1 (404) 534 - 1526
S.A.M. Check Cashing Machine 657 College St, Cuthbert, GA 39840 +1 (229) 732 - 2352

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Ochlocknee, GA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan for Redan, GA, Payday Loans in Rome, GA, Payday Loans in Roswell, GA, Guaranteed Loans in Savannah, GA, Payday Loans in Smyrna, GA, Payday Loans in Statesboro, GA, Payday Loans in Tucker, GA and 24-Hour Loan in Valdosta, 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 Ochlocknee, GA.

Beautiful sights of Ochlocknee, GA

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

31773

Are Payday Loans Legal In Ochlocknee, 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

Ochlocknee, GA payday loan calculator

Payday Loans in Ochlocknee, Georgia: What You Need to Know

If you’re looking for a payday loan in Ochlocknee, Georgia, you may be out of luck. Payday loans are prohibited in the state of Georgia, including Ochlocknee. However, it’s important to understand what payday loans are, why they’re prohibited in Georgia, and what other options you have for short-term borrowing needs.

What are payday loans?

Payday loans are high-interest, short-term loans that are typically due on the borrower’s next payday. These loans are often used by people who need quick cash for unexpected expenses, such as car repairs, medical bills, or utility bills. Payday loans are typically for small amounts, ranging from $100 to $500.

One of the drawbacks of payday loans is that they can be incredibly expensive. According to the Consumer Financial Protection Bureau (CFPB), the average payday loan carries a finance charge of $15 for every $100 borrowed. This means that a $500 loan would come with a $75 finance charge, in addition to the original loan amount.

Why are payday loans prohibited in Georgia?

Payday loans are prohibited in Georgia because they are considered predatory lending practices. These loans often trap borrowers in a cycle of debt, where they are unable to pay off the loan and must keep renewing it, incurring additional fees and interest charges.

In 2004, Georgia passed the Payday Lending Act, which effectively banned payday lending in the state. Under the law, payday lending is defined as making a loan of $3,000 or less for a term of 12 months or less, and charging interest rates higher than 16 percent. This law has been upheld by the Georgia Supreme Court.

What other options do you have for short-term borrowing needs?

While payday loans are prohibited in Georgia, there are other options available for short-term borrowing needs. One option is a personal loan from a bank or credit union. Personal loans typically have lower interest rates and longer repayment terms than payday loans, making them a more affordable option for borrowers.

You may also be able to get a cash advance on your credit card. However, be aware that cash advances often come with high interest rates and fees. Additionally, you’ll need to pay off the cash advance quickly to avoid incurring additional charges.

Interesting Facts about Payday Loans in Ochlocknee, Georgia:

  • As of 2021, there are no payday lenders operating in Ochlocknee, Georgia.
  • In 2020, the average interest rate on a payday loan in Georgia was 187 percent.
  • Georgia is one of 18 states where payday lending is prohibited.

Apply Now for a Loan in Ochlocknee, Georgia

If you’re in need of a short-term loan in Ochlocknee, Georgia, TheGuaranteedLoans can help connect you with potential lenders. Keep in mind that TheGuaranteedLoans is a connector service, not a direct lender. We work with a network of trusted lenders to help you find the loan that’s right for you. To apply, simply fill out our online application and we’ll do the rest.

Remember, payday loans may be prohibited in Georgia, but there are other options available for short-term borrowing needs. Consider a personal loan from a bank or credit union, or a cash advance on your credit card. And if you do decide to take out a short-term loan, be sure to read the terms and conditions carefully, and only borrow what you can afford to pay back.

F.A.Q.

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

No, because payday loans are illegal in Ochlocknee, 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 Ochlocknee, 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.