Payday Loans in Poulan, Georgia

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

Company nameAddressZip codePhone number
1st Franklin Financial 841 College St, Eastman, GA 31023 +1 (478) 374 - 4333
Mariner Finance 443 E Main St, Cartersville, GA 30121 +1 (770) 607 - 4032
Holiday Credit Corporation-Commerce 1790 N Broad St, Commerce, GA 30529 +1 (706) 335 - 5566
World Finance Corporation 5900 GA-21, Rincon, GA 31326 +1 (912) 826 - 5701
First Federal Savings & Loan 411 N Patterson St, Valdosta, GA 31601 +1 (229) 244 - 0164
CCF Holding Co 101 N Main St, Jonesboro, GA 30236 +1 (770) 478 - 8881
SunMark Community Bank 1005 Northside Dr, Perry, GA 31069 +1 (478) 224 - 3838
Regions Bank 320 W Lanier Ave Suite 100, Fayetteville, GA 30214 +1 (800) 734 - 4667
FNB South 423 W 12th St, Alma, GA 31510 +1 (912) 632 - 7262
World Finance Corporation 6295 Oak St, Eastman, GA 31023 +1 (478) 374 - 2043

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Poulan, GA, you can try to find different companies in big cities near by. Check out the following pages here: Guaranteed Loans in Albany, GA, Online Loans in Alpharetta, GA, Online Loans in Atlanta, GA, Payday Loans in Columbus, GA, Guaranteed Loans in Dalton, GA, No Credit Check Loans in Douglasville, GA, Emergency Loan in Evans, GA and Payday Loan for Gainesville, 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 Poulan, GA.

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

31781

Are Payday Loans Legal In Poulan, 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

Poulan, GA payday loan calculator

Payday Loans in Poulan, Georgia: Understanding the Law

Payday loans have become a popular option for people looking for quick cash to meet unexpected expenses. Unfortunately, payday loans have also gained a reputation for high fees and interest rates that can trap borrowers in a cycle of debt. In Georgia, payday loans are prohibited, but that does not mean that consumers are not tempted by unscrupulous lenders. In this article, we will explore what payday loans are, why they are illegal in Georgia, and what alternatives borrowers in Poulan have.

What are Payday Loans?

A payday loan is a loan that is designed to be repaid on the borrower’s next payday. These loans are usually small, ranging from $50 to $500, and are typically due in two weeks. Payday loans are marketed as a way for consumers to get quick cash to cover unexpected expenses. However, the fees and interest rates associated with these loans can be very high, making them a risky choice for borrowers.

Why are Payday Loans Prohibited in Georgia?

In 2004, Georgia passed a law that made payday lending illegal in the state. The law prohibits payday lenders from making loans of $3,000 or less with interest rates higher than 16 percent per year. Payday lenders have found ways to work around the law, such as offering loans online or through out-of-state banks. However, Georgia has taken action to crack down on these illegal lenders.

Alternatives to Payday Loans in Poulan

If you are in need of quick cash, there are alternatives to payday loans that can help you avoid the cycle of debt. Some options include:

  • Credit Union Loans: Many credit unions offer small-dollar loans that come with lower interest rates and fees than payday loans.
  • Personal Loans: You may be able to get a personal loan from a bank or online lender. These loans usually have longer terms and lower interest rates than payday loans, but you will need to have good credit to qualify.
  • Payment Plans: If you are unable to pay a bill on time, contact the company and see if they offer a payment plan. Many companies are willing to work with customers who are having financial difficulties.

Interesting Facts and Statistics

According to research, the average annual interest rate on a payday loan in Georgia is 463 percent. As of 2021, there are no licensed payday lenders operating in the state of Georgia.

Apply Now

If you are in need of a loan in Poulan, TheGuaranteedLoans can help. We are a connector service that helps consumers connect with potential lenders. Fill out our online application to get started. Please note that we are not a direct lender and do not make lending decisions.

Payday loans may be illegal in Georgia, but that does not mean that borrowers are not tempted by unscrupulous lenders. By exploring alternative options and being a savvy consumer, you can avoid falling into the cycle of debt that payday loans can create.

F.A.Q.

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

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