Payday Loans in Pine Mountain Valley, Georgia

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No payday loan companies in Pine Mountain Valley, GA. Consider companies in other cities:

Company nameAddressZip codePhone number
Security Finance 12246 Columbia Rd b, Blakely, GA 39823 +1 (229) 723 - 2552
Cash America Pawn 316 Cobb Pkwy S a, Marietta, GA 30060 +1 (770) 795 - 8112
Auto Money Title Pawn 187 E May St, Winder, GA 30680 +1 (770) 904 - 0933
Navy Federal Credit Union 5003 Steiner Way g, Grovetown, GA 30813 +1 (888) 842 - 6328
Pay Day Cash 120 S 7th St, Cordele, GA 31015 +1 (229) 271 - 0058
United Community Bank 1220 Richard D Sailors Pkwy, Powder Springs, GA 30127 +1 (770) 943 - 5000
Regional Finance 2768 Cumberland Blvd SE, Smyrna, GA 30080 +1 (678) 402 - 0989
Colony Bank 4313 W Main St, Soperton, GA 30457 +1 (912) 529 - 5000
South Georgia Banking Co 131 Industrial Dr, Ashburn, GA 31714 +1 (229) 567 - 2177
Delta Community Credit Union 891 Dawsonville Hwy 140, Gainesville, GA 30501 +1 (800) 544 - 3328

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Pine Mountain Valley, GA, you can try to find different companies in big cities near by. Check out the following pages here: Same Day Loans in Atlanta, GA, Payday Loans in Columbus, GA, Emergency Loan in Dalton, GA, Payday Loans in Douglasville, GA, Short-term Loans in Evans, GA, Payday Loans in Gainesville, GA, Payday Loans in Hinesville, GA and Same Day 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 Pine Mountain Valley, GA.

Beautiful sights of Pine Mountain Valley, GA

Are Payday Loans Legal In Pine Mountain Valley, 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

Pine Mountain Valley, GA payday loan calculator

Payday Loans in Pine Mountain Valley, Georgia

Payday loans, also known as cash advances, are small short-term loans that are usually due on the borrower’s next payday. These loans are typically used for emergency expenses or to cover any unexpected financial needs. While payday loans are legal in many states, they are prohibited in Georgia.

Any lender that offers payday loans in Georgia is violating state law, and people who take out these loans can run into serious financial trouble. If someone is considering a payday loan, they should be aware of the risks involved and explore other options.

Why are Payday Loans Prohibited in Georgia?

The state of Georgia has taken a strong stance against payday lending because they lead to a cycle of debt. The high interest rates associated with payday loans can make it difficult for borrowers to pay them off on time. This, in turn, leads to borrowers taking out another loan to pay off the first one, starting a cycle of debt.

The Georgia Industrial Loan Act of 1955 is the law that regulates payday lending in the state. The act defines payday loans as any loans of $3,000 or less that are payable in full on the borrower’s next payday. Lenders who violate this law can face stiff penalties, including fines and possibly even criminal charges.

What are the Alternatives to Payday Loans?

Payday loans may seem like a quick and easy solution in a financial emergency, but it’s important for people to evaluate all their options before taking out such loans. Here are some alternatives that can help borrowers avoid falling into debt:

  • Credit Cards: Using a credit card for emergency expenses can be a better option than taking out a payday loan, especially if the borrower can pay back the amount borrowed within the next month.
  • Personal Loans: A personal loan taken from a bank or credit union can be an excellent option, especially for people with good credit scores who can qualify for low-interest rates and favorable repayment terms.
  • Savings: Using emergency savings can be a great alternative to payday loans, especially if the expenses are small and the borrower can replenish the savings quickly.

Interesting Facts about Payday Loans in Pine Mountain Valley, Georgia

  • The state of Georgia banned payday loans in 2004. Since then, no payday lenders have been licensed to operate there.
  • Georgia’s Office of the Attorney General warns consumers not to take out payday loans and advises them to explore other options.
  • In other states where payday loans are legal, the average annual percentage rate (APR) can be as high as 400%, making them an expensive way to borrow money.

Apply Now

At The Guaranteed Loans, we offer assistance in connecting consumers with potential lenders who can help them in their financial time of need. We are not a direct lender, but we provide a secure online platform where borrowers can fill out an application and receive offers tailored to their needs.

We urge consumers to use caution when considering any type of loan and to evaluate all their options before taking out a loan.

Visit our website and fill out an application today to explore your options for personal loans and other financial products.

F.A.Q.

Can a payday loan company garnish my wages in Pine Mountain Valley, Georgia?

No, a payday loan company cannot garnish your wages in Pine Mountain Valley, Georgia because these loans are illegal in the state.

Can a payday loan company repossess my property in Pine Mountain Valley, Georgia?

No, a payday loan company cannot repossess your property in Pine Mountain Valley, Georgia because these loans are illegal in the state.