Payday Loans in Roswell, Georgia

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Payday Loan Companies in Roswell, GA

Company nameAddressZip codePhone number
Cash America Pawn 1590 Holcomb Bridge Rd #400 30076 +1 (770) 642 - 4700
Cheque Pronto - Cambio de Cheques / Title Loan / Money Orders 710 Holcomb Bridge Rd Ste 210 30075 +1 (770) 910 - 9910
Community Loans of America 1275 Alpharetta St 30075 +1 (770) 552 - 0758
Lendmark Financial Services LLC 900 Mansell Rd Suite 22 30076 +1 (470) 223 - 1201
Loan South 1116 Canton St 30075 +1 (770) 993 - 6444
Republic Finance 875 Mansell Rd Suite G 30076 +1 (678) 352 - 1502
Southeast Private Lending, LLC 9755 Dogwood Rd Ste. 250 30075 +1 (404) 259 - 9416
TitleMax Title Pawns 10475 Alpharetta St 30075 +1 (678) 352 - 7738

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Roswell, GA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Savannah, GA, No Credit Check Loans in Smyrna, GA, Payday Loans in Statesboro, GA, Payday Loans in Tucker, GA, Payday Loans in Valdosta, GA, Payday Loans in Warner Robins, GA, Payday Loan for Albany, GA and Emergency Loan in Alpharetta, 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 Roswell, GA.

Beautiful sights of Roswell, GA

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

30077, 30076, 30075

Are Payday Loans Legal In Roswell, 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

Roswell, GA payday loan calculator

Payday Loans in Roswell, Georgia: Unavailable in the Peach State

Residents of Roswell, Georgia, and the rest of the state, cannot turn to payday loans when they need quick cash. Georgia is the only state in the country that has completely banned payday loans, either online or in-store. This article discusses the history of payday loans in the state and what Georgia residents can do instead of turn to payday loans.

What Are Payday Loans?

Payday loans are short-term installment loans that are designed to offer individuals with quick access to cash in times of need. Payday loans are often marketed as a way for people to get money for unexpected expenses, or to help them pay off bills before the next paycheck arrives.

Payday loans typically require borrowers to provide a post-dated check or direct debit authorization to cover the loan and any fees associated with it. The loan is then repaid in full on the borrower’s next payday. Payday loans are typically very expensive and can have high rates of interest, which makes it hard for borrowers to repay the loan on time and get out of debt.

Payday Loan Regulations in Georgia

Payday loans were once available in Georgia. However, the state’s legislature passed a law in 2004 that made it illegal for payday lenders to operate in the state. As a result, all payday loan operations in Georgia were forced to close.

The law was designed to protect Georgia residents from predatory lending practices. Under the law, payday lenders in the state must charge interest rates of no more than 16%. Furthermore, any lender found to be in violation of the law can face criminal charges and fines.

Alternatives to Payday Loans in Georgia

Since payday loans are not an option in Georgia, residents of Roswell and the rest of the state must turn to other options for short-term cash. Options include:

  • Borrow from Friends or Family:Borrowing money from friends or family is a more cost-effective and less risky way to get the cash you need. However, this option can be tricky and can damage relationships if not handled properly.
  • Take Out a Personal Loan:You may be able to get access to the cash you need by taking out a personal loan. Personal loans are typically easier to obtain than payday loans and come with more favorable terms. However, you may need to have a good credit score in order to qualify.
  • Use a Credit Card:If you have a credit card, you may be able to use it to get the short-term cash you need. However, you must be sure to pay off the full balance on time in order to avoid high interest charges.
  • Use Short-Term Financing Alternatives:There are several online lenders and financial institutions that offer short-term financing solutions. These alternatives may be more expensive than a traditional loan, but have fewer restrictions and may be easier to obtain.

FAQ

Are Payday Loans Legal in Georgia?

No, payday loans are not legal in the state of Georgia. In 2004, the Georgia legislature passed a law that made it illegal for payday lenders to operate in the state.

What Are Other Options for Quick Cash?

If you live in Georgia and need quick cash, there are several alternatives to payday loans, including borrowing from friends or family, taking out a personal loan, using a credit card or short-term financing alternatives.

Are There Any Other States Where Payday Loans are Banned?

Yes, several states, including Arkansas, Connecticut, Georgia, Massachusetts, Montana, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania, and Vermont, have completely banned payday loans. Additionally, several other states have prohibitions on payday loans or have limited their availability.

The Bottom Line

Payday loans are unavailable in Roswell, Georgia and the rest of the state due to the state’s strict laws prohibiting them. While this may
be inconvenient for some, it is ultimately a good move to protect consumers from the high interest rates and fees associated with payday loans. If you need quick cash, there are still several other options available to you.

More F.A.Q.

Are payday loans legal in Roswell, Georgia?

No, payday loans are prohibited in Roswell, Georgia.

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

Some options for short-term financial assistance in Roswell, Georgia include credit union loans, personal loans from banks or online lenders, or borrowing from friends or family.

How Many Cash Advance Companies are in Roswell, GA?

With the help of our service, you will be able to find 8 cash advance companies in Roswell, GA

What Cash Advance Companies in Roswell, GA are the most popular?