Payday Loans in Rabun Gap, Georgia

All Credits Welcome!

If you have a bad credit score, then don’t worry – it’s not an issue for us!

TGL Loan Services

You can get your money fast after filling out the simple form on the "Get Started" page! Lenders cannot guarantee the approval, but they could approve your loans, even if you are unemployed, receiving government benefits.

Fast Money In Your Bank

You can get your money within hours after filling out the form! We work 24/7 for you!
  • This form is protected with secure 256-bit SSL encryption
  • By clicking “Get Started”, I consent and agree to the Privacy Policy and Terms of Use.

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

Company nameAddressZip codePhone number
Check Max Pro 123 Bankhead Hwy, Carrollton, GA 30117 +1 (770) 832 - 1230
Synovus Bank 47 S Lewis St, Metter, GA 30439 +1 (888) 796 - 6887
Habersham Federal Credit Union - Clayton Branch 91 E Savannah St, Clayton, GA 30525 +1 (706) 212 - 0333
Georgia Title Loans 4124-B, Jimmy Carter Blvd, Norcross, GA 30093 +1 (770) 938 - 0088
Complete Cash 401 Chickamauga Ave, Rossville, GA 30741 +1 (706) 956 - 8951
Welsh Pawn Shop 586 S Columbia Ave 10, Rincon, GA 31326 +1 (912) 826 - 6437
First Southern Bank 6365 US-84, Patterson, GA 31557 +1 (912) 647 - 5332
Community Loans of America 715 N Slappey Blvd, Albany, GA 31701 +1 (229) 439 - 7004
Loanmax Title Loans 115 Jefferson St, Newnan, GA 30263 +1 (770) 252 - 5422
Synovus Bank 201 W Patton St, LaFayette, GA 30728 +1 (888) 796 - 6887

Payday Loan Companies in Nearby Cities

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

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

30568

Are Payday Loans Legal In Rabun Gap, 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

Rabun Gap, GA payday loan calculator

Payday Loans in Rabun Gap, Georgia: Here’s What You Need to Know

Payday loans are a type of short-term loan that can provide much-needed cash in a pinch. They are usually easy to obtain and require no credit check, making them a popular option for those with bad credit or financial difficulties. However, payday loans are prohibited in Georgia, including in Rabun Gap. In this article, we’ll take a closer look at what payday loans are, why they’re prohibited in Georgia, and what alternative options are available.

What are Payday Loans?

Payday loans are a type of short-term loan that are usually due on the borrower’s next payday. They typically have high interest rates and fees, making them a costly borrowing option. The loan amount usually ranges from $100 to $1000, depending on the lender and the borrower’s income. Payday loans are often marketed as a quick and easy solution for unexpected expenses or financial emergencies.

Why are Payday Loans Prohibited in Georgia?

Payday loans are prohibited in Georgia under the Georgia Industrial Loan Act (GILA) and the Georgia Payday Lending Act (GPLA). These laws were enacted to protect consumers from predatory lending practices and to promote responsible lending. The GPLA specifically prohibits payday lending in Georgia, making it illegal for lenders to offer payday loans to Georgia residents, including those in Rabun Gap.

Georgia’s payday lending laws apply to all payday lenders, whether they operate in-store or online. The laws prohibit lenders from charging more than 60% interest on small loans, making payday lending unprofitable for lenders in Georgia. The state also requires lenders to be licensed and registered with the Georgia Department of Banking and Finance, making it difficult for illegal lenders to operate in the state.

Alternative Options

If you’re in need of cash, there are alternative options available instead of payday loans. Here are a few:

  • Credit Union Loans: Credit unions are non-profit organizations that offer loans to their members with flexible terms and low interest rates. If you’re a member of a credit union, check to see if they offer small loans.
  • Credit Counseling: If you’re struggling with debt, a credit counseling agency can help you create a budget and a debt repayment plan. They may also be able to negotiate with your creditors to lower your interest rates.
  • Emergency Assistance Programs: Many local charities and non-profits offer emergency assistance programs that can provide financial help to those in need. Check with your local government or community organizations to see if there are any programs available in your area.

Interesting Facts and Statistics About Payday Loans in Georgia

Here are a few interesting facts and statistics about payday loans in Georgia:

  • Georgia is one of 18 states that prohibit payday lending.
  • Between 2004 and 2013, Georgia saved $154 million in annual fees and interest due to the prohibition of payday lending.
  • In 2019, Georgia’s Attorney General filed a lawsuit against an online payday lender for violating Georgia’s usury laws.

Apply Now

If you’re in need of a loan, TheGuaranteedLoans can help you connect with potential lenders. We are a connector service, not a direct lender, and we work with a network of reputable lenders to help you find a loan that meets your needs. Fill out our online application today to see if you qualify.

Remember, although payday loans are prohibited in Georgia, there are alternative borrowing options available. Consider all of your options before borrowing money, and make sure to work with reputable lenders to avoid predatory lending practices.

F.A.Q.

Can I be arrested for not paying back an illegal payday loan in Rabun Gap, Georgia?

No, you cannot be arrested for not paying back an illegal payday loan in Rabun Gap, Georgia.

Can I be harassed or threatened by a lender for not paying back an illegal payday loan in Rabun Gap, Georgia?

No, you cannot be harassed or threatened by a lender for not paying back an illegal payday loan in Rabun Gap, Georgia. If you have been harassed or threatened, you can report the lender to the Georgia State Department of Financial Services.