Payday Loans in Silver Creek, Georgia

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

Company nameAddressZip codePhone number
Cash America Pawn 5160 Cowan Rd, Acworth, GA 30101 +1 (678) 388 - 8847
Act Auto Brokers 1629 S Broad St 2264, Monroe, GA 30655 +1 (770) 207 - 6006
Blue Ridge Pawn Shop 3670 E 1st St, Blue Ridge, GA 30513 +1 (706) 632 - 5660
Arca Funding 1055 Burton Dr NE, Atlanta, GA 30329 +1 (404) 982 - 9254
Car Cash Title Loans of Duluth 1523 Pleasant Hill Rd, Duluth, GA 30096 +1 (770) 935 - 8484
TitleMax Title Pawns 4773 Covington Highway, Decatur, GA 30035 +1 (404) 289 - 1860
Auto Acceptance Corporation 749 Main St, Riverdale, GA 30274 +1 (800) 954 - 9322
Aplus Financial Services, Inc #04 1820 N Brown Rd SUITE 50, Lawrenceville, GA 30043 +1 (678) 847 - 6106
Planters First Bank - Hawkinsville Drive In 129 Broad St, Hawkinsville, GA 31036 +1 (478) 783 - 4017
Prime Case Funding 1075 Peachtree St NE #3650, Atlanta, GA 30309 +1 (888) 767 - 4288

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Silver Creek, GA, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Warner Robins, GA, Payday Loans in Albany, GA, Short-term Loans in Alpharetta, GA, Payday Loans in Atlanta, GA, Guaranteed Loans in Columbus, GA, Same Day Loans in Dalton, GA, Payday Loans in Douglasville, GA and Quick Loan in Evans, 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 Silver Creek, GA.

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

30173

Are Payday Loans Legal In Silver Creek, 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

Silver Creek, GA payday loan calculator

Understanding Payday Loans in Silver Creek, Georgia

Payday loans are short-term loans that require borrowers to repay the amount they borrowed, along with interest and fees, on their next payday.

In Silver Creek, Georgia, however, payday loans are prohibited by law. This means lenders cannot legally offer payday loans to individuals residing in Silver Creek, Georgia. Despite this, some predatory lenders may still attempt to entice people to take out these loans, often charging exorbitant interest rates and fees.

The Legality of Payday Loans in Silver Creek, Georgia

Payday loans are classified as small-dollar loans and are subject to state regulations. In the state of Georgia, payday loans are prohibited, including in Silver Creek.

The Georgia Industrial Loan Act (GILA) was enacted to protect Georgia residents from predatory lending practices that can lead to debt traps. Under this act, any small-dollar loan with an interest rate exceeding 60% is considered usurious and therefore illegal in the state of Georgia.

Risks of Payday Loans

Despite being illegal in Silver Creek and throughout the state of Georgia, there are many risks associated with payday loans.

  • High-interest rates: Payday loans are notorious for charging exorbitant interest rates, often exceeding 400% per year. These rates can trap borrowers in a cycle of debt, as they struggle to pay off the loan and the accumulating interest.
  • Short repayment terms: Borrowers typically have only two weeks to repay the loan and associated fees. If they cannot repay the loan in full, they may be encouraged to roll it over, incurring additional fees and interest.
  • Debt trap: The short repayment terms and high fees associated with payday loans can create a debt trap for borrowers, causing them to become trapped in a cycle of debt and financial instability.

The Role of TheGuaranteedLoans

TheGuaranteedLoans is a connector service that makes it easier for borrowers to access loan options without the risk of falling into predatory lending traps. We empower borrowers with the ability to compare loan options from a range of trusted lenders, helping them to make informed decisions about their finances.

It’s important to note that TheGuaranteedLoans is not a direct lender. Rather, we are a connector service that facilitates connections between borrowers and potential lenders. We work with a network of trusted lenders who can offer loans that meet borrowers’ needs and financial situations, which may suit Silver Creek residents who are often struggling to find reliable financial assistance they need.

Why Choose Us?

At TheGuaranteedLoans, we are committed to providing our community with reliable, trustworthy loan options. We understand the difficulties that come with living paycheck to paycheck or needing financial assistance in difficult times.

We work hard to ensure each borrower receives customized loan solutions, tailored to their unique financial situation and needs. Our loan solutions are affordable, transparent, and flexible, designed to help individuals achieve their financial goals while minimizing the risks associated with predatory loans.

Apply Now

If you live in Silver Creek, Georgia, and are in need of financial assistance, don’t hesitate to apply for a loan through TheGuaranteedLoans. Visit our website, fill out our simple online application, and we will work to connect you with a range of trusted lenders who can offer you customized loan options to suit your unique financial situation.

Interesting Facts about Payday Loans in the U.S.

  • In the U.S, about 12 million people use payday loans each year.
  • The average interest rate for a payday loan in the U.S is over 400%.
  • People who use payday loans are more likely to file for bankruptcy than those who do not.
  • In 2020, the Consumer Financial Protection Bureau (CFPB) eliminated payday loan regulations that were implemented under the Obama Administration.

It’s important to understand the risks associated with payday loans, and to explore alternative loan options that can provide financial assistance without the high costs and potential debt traps. At TheGuaranteedLoans, we are committed to providing our community with reliable, trustworthy loan options and helping them achieve their financial goals.

F.A.Q.

What are the alternatives to payday loans in Silver Creek, Georgia?

Consumers in Silver Creek, Georgia can seek out small, short-term loans from credit unions or banks, or can consider using a credit card or personal loan for financial emergencies.

Why are payday loans prohibited in Silver Creek, Georgia?

Payday loans are prohibited in Silver Creek, Georgia due to their high interest rates and fees, which can trap consumers in a cycle of debt.