Payday Loans in Rayle, Georgia

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

Company nameAddressZip codePhone number
Security Finance 1305a E 1st St, Vidalia, GA 30474 +1 (912) 537 - 3047
EZ MONEY SOURCE 581 Northridge Rd, Atlanta, GA 30350 +1 (678) 651 - 5119
Complete Cash 252 W Elm St, Rockmart, GA 30153 +1 (770) 684 - 7711
Access Loan Co 114 S Jefferson St, Nashville, GA 31639 +1 (229) 686 - 9665
Cash Express 30 W Oakland Ave, Camilla, GA 31730 +1 (229) 336 - 8840
Shingler Martha G CPA 385 E Washington Ave, Ashburn, GA 31714 +1 (229) 567 - 3324
Sunbelt Credit 1421 B Rocky Creek Rd, Macon, GA 31206 +1 (478) 788 - 9595
Service Loans & Income Tax 75 S Park Ln, Toccoa, GA 30577 +1 (706) 886 - 1000
The Claxton Bank 121 W Main St, Claxton, GA 30417 +1 (912) 739 - 3322
BB&T 3831 Appalachian Hwy, Blue Ridge, GA 30513 +1 (706) 632 - 6554

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Rayle, GA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan Companies in Evans, GA, Same Day Loans in Gainesville, GA, Payday Loan Companies in Hinesville, GA, Payday Loan for Kennesaw, GA, Payday Loans in Lagrange, GA, Emergency Loan in Mableton, GA, Same Day Loans in Macon, GA and Payday Loans in Marietta, 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 Rayle, GA.

Beautiful sights of Rayle, GA

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

30660

Are Payday Loans Legal In Rayle, 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

Rayle, GA payday loan calculator

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

If you find yourself in need of quick cash in Rayle, Georgia, you may be considering a payday loan. However, it’s important to note that payday loans are prohibited in Georgia, including Rayle. Here’s what you need to know about payday loans and alternative options available to you.

What are payday loans?

A payday loan is a short-term loan that typically carries a high interest rate. The borrower typically writes a post-dated personal check in the amount they wish to borrow plus a fee, in exchange for cash. Payday loans are usually due within two weeks to a month.

Why are payday loans prohibited in Georgia?

In 2004, the Georgia Industrial Loan Act was amended, making payday lending illegal in the state. The legislation was designed to protect Georgia consumers from high-interest loans and the cycle of debt that often comes with them.

What are the alternatives to payday loans in Rayle, Georgia?

While payday loans are illegal in Georgia, there are still options available to those in need of quick cash. Here are a few alternatives to consider:

  • Personal installment loans: Personal installment loans are loans that are repaid in fixed monthly payments over a set period of time. These loans often have lower interest rates than payday loans and offer more manageable payment terms. However, they may require a credit check or collateral.
  • Credit card cash advance: If you have a credit card, you may be able to take out a cash advance. However, keep in mind that this option often carries high interest rates and fees.
  • Friends and family: If you are in a bind, consider reaching out to friends and family for assistance. While it may be difficult to ask for help, it’s often a better option than a payday loan.

Interesting Facts and Statistics

  • As of 2019, there were no licensed payday lenders operating in Georgia.
  • In a 2016 report by the Consumer Financial Protection Bureau, it was found that the average payday loan borrower took out 10 loans per year, spending a total of 199 days in debt each year.
  • According to a study by the Pew Charitable Trusts, the average payday loan borrower is in debt for five months out of the year, spending an average of $520 in fees to repeatedly borrow $375.

Apply Now

If you’re in need of financial assistance in Rayle, Georgia, consider filling out an application on TheGuaranteedLoans website. As a connector service, we can facilitate your connection with potential lenders who may be able to provide alternative loan options. Please note that we are not a direct lender, and all loan terms and conditions will be decided between you and the lender.

Don’t let financial stress get you down. Consider alternative options to payday loans and reach out to TheGuaranteedLoans for assistance.

F.A.Q.

What are the alternatives to payday loans in Rayle, Georgia?

Consumers in Rayle, Georgia can seek out small, short-term loans from credit unions or banks, or can consider using a credit card or personal loan for financial emergencies.

Why are payday loans prohibited in Rayle, Georgia?

Payday loans are prohibited in Rayle, Georgia due to their high interest rates and fees, which can trap consumers in a cycle of debt.