Payday Loans in Winston, Georgia

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

Company nameAddressZip codePhone number
MoneyGram 2425 Memorial Dr 1S, Waycross, GA 31503 +1 (912) 283 - 9000
Security Finance 4634 Presidential Pkwy Suite N, Macon, GA 31206 +1 (478) 746 - 9638
Oglethorpe Finance Co 1143 Athens Rd, Crawford, GA 30630 +1 (706) 743 - 3680
Wilkes Finance Corp 5677 Bells Ferry Rd, Acworth, GA 30102 +1 (770) 924 - 7773
BB&T Mortgage 905 E 1st St, Vidalia, GA 30474
Sunset Finance of Thomaston 1101 US-19, Thomaston, GA 30286 +1 (706) 647 - 4300
Queensborough National Bank and Trust 113 E Broad St, Louisville, GA 30434 +1 (478) 625 - 2000
United Community Bank 1010 Plant Ave, Waycross, GA 31501 +1 (912) 287 - 2265
1st Franklin Financial 609 Alabama Ave, Bremen, GA 30110 +1 (770) 537 - 3872
SOUTHERN FINANCE COMPANY 199 John W Morrow Jr Pkwy E, Gainesville, GA 30501 +1 (770) 534 - 5026

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Winston, GA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Smyrna, GA, Payday Loans in Statesboro, GA, Payday Loans in Tucker, GA, 24-Hour Loan in Valdosta, GA, Payday Loans in Warner Robins, GA, Payday Loans in Albany, GA, Same Day Loans in Alpharetta, GA and Payday Loan Without a Credit Check in Atlanta, 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 Winston, GA.

Beautiful sights of Winston, GA

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

30187

Are Payday Loans Legal In Winston, 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

Winston, GA payday loan calculator

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

If you live in Winston, Georgia, and are considering a payday loan to help cover unexpected expenses, you should know that payday loans are prohibited in the state of Georgia. While it may be tempting to turn to a payday lender for quick cash, there are significant risks involved with these types of loans.

What are Payday Loans?

Payday loans are short-term loans that typically must be repaid within two weeks. These loans are typically for smaller amounts, ranging from a few hundred dollars to a few thousand. Lenders typically require proof of income, and borrowers must provide access to their bank account so that the lender can withdraw the loan amount plus interest and fees on the due date.

Why are Payday Loans Prohibited in Georgia?

In Georgia, payday loans are prohibited under the Georgia Industrial Loan Act (GILA) and the Georgia Payday Lending Act. These laws were put in place to protect Georgia residents from the high-interest rates and fees associated with payday loans. Lenders who violate these laws can face steep penalties and fines.

The Risks of Payday Loans

While payday loans may seem like a quick solution to financial problems, they come with significant risks. One of the main risks is the high cost of borrowing. Payday lenders typically charge exorbitant interest rates and fees, which can make it difficult for borrowers to repay the loan in full and on time.

In addition, some lenders are predatory and use deceptive tactics to trap borrowers in a cycle of debt. For example, some lenders may encourage borrowers to roll over their loans, which means extending the loan term and paying additional fees and interest. This can make it even more difficult for borrowers to repay the loan and can lead to a downward spiral of debt.

Alternatives to Payday Loans

If you need cash quickly, there are alternatives to payday loans. Some options include:

  • Credit union loans: Credit unions often offer short-term loans with more favorable interest rates and terms than payday lenders.
  • Personal loans: Some online lenders offer personal loans with competitive interest rates and flexible repayment terms.
  • Credit counseling: Non-profit credit counseling agencies can help you develop a debt repayment plan and negotiate with creditors on your behalf.

Interesting Facts and Statistics About Payday Loans in Winston, Georgia

  • In Georgia, annual percentage rates (APRs) on payday loans can reach up to 400%. (source: Georgia Watch)
  • Georgia has the fourth-highest concentration of payday lenders in the nation. (source: Georgia Watch)
  • In 2017, the average payday borrower in Georgia took out eight loans, with an average loan amount of $430. (source: Georgia Watch)

Apply Now

If you are in need of cash and are considering a payday loan, we encourage you to explore alternative options before turning to a payday lender. At TheGuaranteedLoans, we are a connector service that can facilitate your connection with potential lenders. We are not a direct lender, and we do not make credit decisions. If you decide to apply for a loan through our website, we will connect you with lenders who can provide you with the cash you need. Apply now to get started.

F.A.Q.

Are payday loans legal in Winston, Georgia?

No, payday loans are prohibited in Winston, Georgia.

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

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