Payday Loans in Oxford, Georgia

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

Company nameAddressZip codePhone number
Cash Back Pay Day Loans 201 F, Savannah, GA 31406 +1 (912) 644 - 7555
Robins Financial Credit Union 960 Bluebird Blvd, Fort Valley, GA 31030 +1 (478) 923 - 3773
Georgia Auto Pawn, Inc. 237 W General Screven Way, Hinesville, GA 31313 +1 (912) 877 - 3121
Bank of America Financial Center 4201 Atlanta Hwy, Loganville, GA 30052 +1 (678) 475 - 7814
Community Loans of America 1275 Alpharetta St, Roswell, GA 30075 +1 (770) 552 - 0758
TitleBucks Title Pawns 3245 Victory Dr, Columbus, GA 31903 +1 (706) 687 - 8888
Synovus Bank 200 Parkway 575, Woodstock, GA 30188 +1 (888) 796 - 6887
Renasant Bank 504 N Main St, Sylvester, GA 31791 +1 (800) 680 - 1601
Lincoln Financial Group 5336 Schley Rd, Camilla, GA 31730 +1 (229) 336 - 7026
World Finance 1150 N Main St, Cedartown, GA 30125 +1 (770) 748 - 4622

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Oxford, GA, you can try to find different companies in big cities near by. Check out the following pages here: Bad Credit Loans in Douglasville, GA, No Credit Check Loans in Evans, GA, No Credit Check Loans in Gainesville, GA, Same Day Loans in Hinesville, GA, Payday Loans in Kennesaw, GA, Payday Loans in 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 Oxford, GA.

Beautiful sights of Oxford, GA

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

30054

Are Payday Loans Legal In Oxford, 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

Oxford, GA payday loan calculator

Understanding Payday Loans in Oxford, Georgia

Payday loans can be a quick solution for financial emergencies, with the promise of fast cash and lenient approval requirements. These short-term loans are typically meant to be repaid on the borrower’s next payday, hence the name ‘payday loan.’ However, it is crucial to note that authorities in many states, including Georgia, prohibit payday lenders. So what should Oxford, Georgia residents know when it comes to payday loans? This article examines the current regulations and options available to those seeking short-term financing in this region.

What are Payday Loans?

Payday loans are a type of short-term financing with high-interest rates and specific repayment conditions. When applying for a payday loan, the borrower would typically write a check for the amount borrowed plus the lender’s fees. The lender will hold onto the check until the due date or after which they can cash the check.

It is the high-interest rates and stringent repayment conditions that put many borrowers in a situation of unmanageable debt. Therefore, many states, including Georgia, have regulations against payday lending to protect consumers. Georgia prohibits payday lending under the Payday Lending Act of 2004 (GA. Code Ann. § 16-17-1 et seq.).

Payday Loans are Prohibited in Georgia

The Payday Lending Act ensured that payday lending will be considered an illegal and usurious practice within the state. Since 2004, payday lending has been illegal in Georgia, and lenders who do take advantage of borrowers are seen as engaging in illegal practice. As there are no longer payday loan storefronts open, Georgia residents have to look at other short-term financing options, such as installment loans or online personal loans.

Online Personal Loans in Oxford, Georgia

As mentioned earlier, Georgia prohibits payday lending. Therefore, it is crucial to find other forms of lending if you find yourself facing a financial emergency. Online personal loans from our trusted lenders provide viable borrowing options that may have a simpler application process and less stringent lending conditions than traditional personal loans.

At TheGuaranteedLoans, we connect borrowers with personal loan lenders who offer competitive and fair lending requirements. These requirements include minimum credit scores and varying interest rates depending on the desired repayment terms and amount being loaned. We understand our customers’ unique financial situations and help them find suitable financing options.

Interesting facts or statistics about Payday loans

  • The average payday loan borrower takes out eight loans per year, with an average loan amount of $375, resulting in an average interest payment of $520 per borrower, per year.
  • According to the CFPB, more than 80% of payday loans are rolled over or followed by another loan within 14 days.
  • Over 20,000 payday loan stores operate in the United States, with more storefronts than McDonald’s restaurants.
  • Payday lenders have been found to deliberately target low-income communities and military personnel, often leading to increased debt obligations.

Apply Now for Online Personal Loans

Are you facing a pressing financial need and need a reliable loan service in Oxford, Georgia? Apply for a personal loan on TheGuaranteedLoans website today! Our lender-partners provide secure, flexible loan options with no hidden fees and transparent terms. Complete our straightforward application form and receive a quick lending decision.

Remember, TheGuaranteedLoans is a connector service only and is not a direct lender. We facilitate loan requests and match applicants with potential lenders through our network of trusted lenders. All loan terms, including repayment conditions, interest rates, and credit requirements, are the sole responsibility of the lender in question.

F.A.Q.

What are the penalties for offering or taking out a payday loan in Oxford, Georgia?

Offering or taking out a payday loan in Oxford, Georgia is considered a criminal offense and can result in fines and imprisonment.

Are there any exceptions to the payday loan prohibition in Oxford, Georgia?

No, there are no exceptions to the payday loan prohibition in Oxford, Georgia.