Payday Loans in Winterville, Georgia

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

Company nameAddressZip codePhone number
Georgia United Credit Union 312 Canton Rd, Cumming, GA 30040 +1 (770) 889 - 7843
Complete Cash 721 Joe Frank Harris Pkwy SE, Cartersville, GA 30120 +1 (770) 334 - 2743
United Community Bank 6670 Church St, Douglasville, GA 30134 +1 (770) 942 - 5681
Colony Bank 401 Alabama St North, Broxton, GA 31519 +1 (912) 359 - 2351
World Finance 263 Market Pl Blvd, Cartersville, GA 30121 +1 (678) 721 - 0411
Service Loan 126 Jackson St, Thomson, GA 30824 +1 (706) 595 - 8812
Wilkinson County Bank Loan Production Office 1401 N Columbia St, Milledgeville, GA 31061 +1 (478) 456 - 2616
Regions Bank 101 S. Court Street, Franklin, GA 30217 +1 (706) 948 - 2620
Katherine Bannister - Ameriprise Financial Services, LLC 320 N Broad St, Thomasville, GA 31792 +1 (229) 227 - 5036
TitleMax Title Pawns 2507 Pio Nono Ave, Macon, GA 31206 +1 (478) 788 - 8211

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Winterville, GA, you can try to find different companies in big cities near by. Check out the following pages here: Online Loans in Columbus, GA, Same Day Loans in Dalton, GA, Payday Loans in Douglasville, GA, Payday Loan Without a Credit Check in Evans, GA, Payday Loans in Gainesville, GA, Short-term Loans in Hinesville, GA, Payday Loans in Kennesaw, GA and Payday Loans in Lagrange, 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 Winterville, GA.

Beautiful sights of Winterville, GA

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

30683

Are Payday Loans Legal In Winterville, 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

Winterville, GA payday loan calculator

Payday Loans in Winterville, Georgia

Payday Loans are an increasingly common form of short-term lending that can offer a quick financial solution to those in need. However, in the state of Georgia, Payday loans are prohibited by law.

Under Georgia law, payday lending is considered predatory and is therefore illegal. Georgia has some of the most stringent payday lending laws in the US, and for good reason – payday loans can trap borrowers in a cycle of debt and high interest rates that can be very difficult to get out of.

What are Payday Loans?

Payday loans are typically small, short-term loans that are meant to be repaid on the borrower’s next payday. They are often marketed as a quick and easy solution to unexpected expenses or emergencies, but they come with very high interest rates and fees.

The high costs associated with payday loans are what make them so dangerous. Many borrowers find themselves unable to repay the loan on their next payday, so they roll the loan over, incurring even more fees and interest charges in the process.

Payday lenders make money off of this cycle of debt, as borrowers can end up paying several times the amount they borrowed in fees and interest charges.

Why are Payday Loans Prohibited in Georgia?

Georgia’s payday lending laws were put in place to protect borrowers from predatory lending practices. Payday loans can trap borrowers in a cycle of debt that can be difficult to escape from, and that can have serious financial consequences.

In Georgia, payday lending is illegal under the Georgia Industrial Loan Act (GILA). This law specifically prohibits lending money on a short-term basis at extremely high interest rates, which is what payday lenders typically do.

Payday lenders often try to get around these laws by partnering with out-of-state banks that are not subject to Georgia’s regulations. However, the Georgia Supreme Court has ruled that these arrangements are illegal as well, meaning that there is no legal way to offer payday loans in Georgia.

Interesting Facts and Statistics

  • Payday lending is prohibited in 17 states in the US, including Georgia.
  • The average interest rate on a payday loan is 400%.
  • The payday lending industry generates about $9 billion in fees annually.
  • In Georgia, the maximum interest rate that can be charged on any loan is 16%.

Apply Now

While payday loans are illegal in Georgia, there are other options available to those who need short-term financing. TheGuaranteedLoans is a connector service that can help you find potential lenders who offer personal loans, installment loans, and other types of financing.

We work with a network of reputable lenders that offer competitive rates and flexible repayment options. To get started, simply fill out our online application and we’ll connect you with lenders who may be able to help.

Please note that TheGuaranteedLoans is not a direct lender. We are a connector service that can facilitate your connection with potential lenders.

Conclusion

Payday loans are a dangerous form of short-term lending that can trap borrowers in a cycle of debt and high interest rates. Fortunately, Georgia has some of the strongest payday lending laws in the US, protecting borrowers from predatory lending practices.

At TheGuaranteedLoans, we understand that unexpected expenses can arise at any time, which is why we are committed to connecting borrowers with reputable lenders who can offer flexible, affordable loan options.

F.A.Q.

How do I know if a lender is offering illegal payday loans in Winterville, Georgia?

Lenders offering illegal payday loans in Winterville, Georgia may not be licensed by the state and may have high interest rates and fees that are not allowed under state law.

What can I do if I have taken out an illegal payday loan in Winterville, Georgia?

If you have taken out an illegal payday loan in Winterville, Georgia, you can contact the Georgia State Department of Financial Services to report the lender and seek assistance in resolving the issue.