Payday Loans in Warm Springs, Georgia

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

Company nameAddressZip codePhone number
Tippins Bank - Branch Division of Glennville Bank 15 E Main St, Claxton, GA 30417 +1 (912) 739 - 1621
Cadence Bank - Thomson Branch 110 Hill St, Thomson, GA 30824 +1 (706) 597 - 2020
Friendly Finance Co 75 A, 0436, N Grove St, Dahlonega, GA 30533 +1 (706) 864 - 3371
InstaLoan 2139 Lawrenceville Hwy, Decatur, GA 30033 +1 (770) 817 - 8022
SPI Guns - Super Pawn 411 W General Screven Way, Hinesville, GA 31313 +1 (912) 369 - 7296
The Citizens Bank 101 N Hutchinson Ave, Adel, GA 31620 +1 (229) 896 - 7402
Cash America Pawn 2131 E Victory Dr, Savannah, GA 31404 +1 (912) 352 - 9173
The Claxton Bank 121 W Main St, Claxton, GA 30417 +1 (912) 739 - 3322
ACE Cash Express 2841 Greenbriar Pkwy SW #305, Atlanta, GA 30331 +1 (404) 349 - 3001
American Finance 3024 M.L.K. Jr Dr SW D, Atlanta, GA 30311 +1 (404) 691 - 6070

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Warm Springs, GA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Lagrange, GA, Payday Loans in Mableton, GA, Payday Loans in Macon, GA, Payday Loan Companies in Marietta, GA, Payday Loans in Newnan, GA, Payday Loans in Peachtree City, GA, Payday Loan for Redan, GA and Payday Loans in Rome, 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 Warm Springs, GA.

Beautiful sights of Warm Springs, GA

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

31830

Are Payday Loans Legal In Warm Springs, 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

Warm Springs, GA payday loan calculator

Understanding Payday Loans in Warm Springs, Georgia

If you live in Warm Springs, Georgia, and have been searching for payday loans, you might want to know that payday loans are prohibited in Georgia. Unlike other states in the United States, Georgia has strict laws governing payday loans. In Georgia, payday loans are not only illegal, but they are also unenforceable under Georgia law. In this article, we will explore the topic of payday loans in Warm Springs, Georgia and help you understand how to get quick cash loans while staying within the boundaries of the law.

What are payday loans?

Payday loans are short-term loans intended to provide borrowers with quick cash advances. Borrowers usually repay the loans, with interest, upon receipt of their next paycheck. The loans are often used to cover unexpected expenses or bills when payday is still a few days away. Payday lenders offer a quick and easy application process and may even approve borrowers with poor credit.

Why are payday loans prohibited in Georgia?

In 2004, the Georgia state legislature passed legislation that prohibited payday loans in the state. The reasoning behind this legislation was to protect Georgia residents from falling into a cycle of debt that often results from payday loans. Payday lenders often charge exorbitant fees and interest rates, making it difficult for borrowers to repay the loans on time. As a result, borrowers often end up taking out additional loans to cover the initial loan, leading to a cycle of debt that is difficult to break.

What are the alternatives to payday loans?

If you’re in Warm Springs, Georgia and looking for quick cash, there are still other options available to you. Some of the alternatives include:

  • Credit union loans: Some credit unions offer small-dollar loans with lower interest rates and fees than payday loans.
  • Credit counseling: If you’re struggling with debt, credit counseling can help you create a manageable budget and debt repayment plan.
  • Personal loans: Personal loans may be available from banks or online lenders at lower interest rates than payday loans.
  • Side jobs: Consider taking on a side job or selling items you no longer need to generate extra income.

Interesting Facts and Statistics about Payday Loans in Warm Springs, Georgia

  • Payday loans are prohibited in Georgia under the Georgia Industrial Loan Act (GILA).
  • Georgia law caps interest rates for small-dollar loans at 10%.
  • The average payday loan borrower takes out 10 loans per year, and spends an average of 199 days per year in debt.
  • The average payday loan in Georgia is $300, with an average fee of $51 per loan.

Apply Now for a Quick Cash Loan

If you need a quick cash loan and live in Warm Springs, Georgia, TheGuaranteedLoans is here to help. We are a connector service, not a direct lender, and we can help connect you with potential lenders who can provide you with a loan based on your needs. To apply for a loan, simply fill out our online application, and we will match you with a lender who may be able to help. Remember, payday loans may be prohibited in Georgia, but there are still other options available to you.

F.A.Q.

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

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

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

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