Payday Loans in Roopville, Georgia

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

Company nameAddressZip codePhone number
TitleMax Title Pawns 6869 Hwy 92, Woodstock, GA 30189 +1 (770) 592 - 8005
AgGeorgia Farm Credit 468 Perry Pkwy, Perry, GA 31069 +1 (478) 987 - 1434
SunTrust 3590 Highway 20 S, Conyers, GA 30013 +1 (770) 285 - 3966
Sunset Finance 3604 Macon Rd STE 3, Columbus, GA 31907 +1 (706) 561 - 6904
Security Finance 150 S First St, Colquitt, GA 39837 +1 (229) 758 - 3375
Sunset Finance 1632 Veterans Blvd STE B, Dublin, GA 31021 +1 (478) 272 - 3317
World Finance Corporation 836 GA-138 Spur b, Jonesboro, GA 30236 +1 (770) 471 - 2716
1st Franklin Financial 3265 Cobb Pkwy NW Suite 2, Acworth, GA 30101 +1 (770) 917 - 9529
Sunbelt Credit 2 E 6th Ave, Rome, GA 30161 +1 (706) 291 - 9415
Georgia Auto Pawn, Inc. 2506 Tobacco Rd, Hephzibah, GA 30815 +1 (706) 793 - 7339

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Roopville, GA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Gainesville, GA, Payday Loan for Hinesville, GA, Payday Loans in Kennesaw, GA, Online Loans in Lagrange, GA, Payday Loans in Mableton, GA, Payday Loans in Macon, GA, Payday Loans in Marietta, GA and Short-term Loans in Newnan, 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 Roopville, GA.

Beautiful sights of Roopville, GA

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

30170

Are Payday Loans Legal In Roopville, 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

Roopville, GA payday loan calculator

Although payday loans are prohibited in Georgia, some borrowers may unknowingly fall prey to predatory lenders who offer loans in violation of the law. Roopville, Georgia, is no exception, and residents may find themselves in financial crises and in need of short-term loans that they may not be able to obtain from other sources.

What Are Payday Loans?

Payday loans are short-term, high-interest loans that borrowers should usually repay on their next payday. While they may sound attractive to those in desperate financial situations, payday loans come with high fees and interest rates that can perpetuate a cycle of debt. Many states have laws regulating payday lenders, including Georgia, which has banned the practice.

Payday Loan Scams in Roopville, Georgia

Despite the prohibition against payday loans in Georgia, rogue lenders still operate in the state, taking advantage of desperate borrowers. These predatory lenders make it difficult to escape the cycle of debt with hidden fees and exorbitant interest rates. Roopville is no exception, and residents must exercise caution when seeking out short-term loans.

Some payday lenders may falsely claim that they are exempt from Georgia’s usury laws, but this is not true. Georgia has a strict cap on interest rates, and lenders who exceed this limit are breaking the law. Unfortunately, many predatory lenders prey on the vulnerable and may not disclose all the terms and conditions of the loan. This can lead to a cycle of debt that is difficult to break.

What Are the Alternatives to Payday Loans in Roopville, Georgia?

Although payday loans are prohibited in Georgia, there are other options for those who need short-term loans. Here are some legitimate alternatives:

  • Personal Loans: Borrowers can look into taking out a personal loan from a bank or credit union. These loans often have lower interest rates and more flexible repayment terms compared to payday loans.
  • Credit Cards: Credit cards can be a good alternative to payday loans, provided that borrowers use them responsibly.
  • Government Assistance: If borrowers are facing financial hardship, they may be eligible for government assistance programs like food stamps, Medicaid, or housing assistance.

Interesting Facts about Payday Loans in Roopville, Georgia

  • Roopville, Georgia, has a population of approximately 230 people.
  • In 2019, Georgia lawmakers passed House Bill 123, which banned payday loans and established stricter regulations for other short-term loans. This bill was signed into law by Governor Brian Kemp in May 2019.
  • The average interest rate for payday loans in Georgia was 300% APR, among the highest in the country, before the ban went into effect.
  • According to a 2018 survey from the National Endowment for Financial Education, 2 in 5 Americans would struggle to come up with $400 in case of an emergency, such as a sudden medical bill or car repair.

Apply Now to Connect with Lenders

At TheGuaranteedLoans, we understand that financial emergencies can happen to anyone. While we don’t directly lend money to borrowers, we connect them with potential lenders who may be able to offer them the short-term loans they need. Anyone can apply for a loan on our website, and our service is free. We work with a network of trusted lenders who can offer affordable loans to those who need them most. Apply now on our website and get connected with the lender that best fits your needs.

F.A.Q.

Where can I get more information about payday loans in Roopville, Georgia?

More information about payday loans in Roopville, Georgia can be found on the Georgia State Department of Financial Services website. You can also contact the department directly with any questions or concerns.

Are payday loans available in Roopville, Georgia?

No, payday loans are prohibited in Roopville, Georgia.