What is the article
Let’s figure out what payday loans are. The term has many set definitions, but in most cases, it is a loan that lenders give for a short term (until you receive the next paycheck). The amount of cash you can get varies from $30 to $2,500, depending on a state. All states have different laws regulating payday loans, and there are two ways to obtain them: online or through storefront lenders. Here’s everything you need to know to get a quick loan in Georgia.[toc]
Payday loans in Georgia(GA) and why you need them
The popularity of payday loans is at its peak today. Despite all the positive and negative opinions, quick loans are still a convenient solution for budget management. A constant cash shortage can be even worse than a sudden, one-time need for additional money. But the best thing about short-term loans is that they can help you get rid of both problems at the same time.
5 reasons to get a Georgia payday loan
There is an endless number of reasons why you may need extra cash. But if you found yourself in one of these situations, MayBeLoan is at your service.
All we need from you is a couple of personal details, such as your social security number, your name, and your address, while you need to indicate how much you wish to borrow. After you provide us with the required details, we will contact you once we approve the information to confirm all the terms and conditions of the contract.
A small cash advance can be a useful and convenient asset when coping with emergency situations. But remember that this type of loans can’t cure serious financial troubles. Getting too many loans from a few companies at the same time is not the best decision, as you risk damaging your financial stability.Please rate the article: (68 votes, average: 4,63 out of 5)
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Although payday loans might seem like a good idea, if you’re a resident of Georgia, you have other options that will help you out in a financial emergency.
Are payday loans legal in Georgia
No, payday loans aren’t legal in Georgia. Small dollar loans are heavily regulated and governed by statutes 16-17-1 et seq., 7-3-14 et seq. and 80 3-1.02(7). High-cost payday lending is a felony in Georgia, and all lenders attempting to distribute these loans can be pursued by criminal action cases.
Any short-term lender wishing to operate in Georgia must abide by the the rules outlined in 7-3-14 et seq. These state that all small loans must be under $3,000 for a period of 36 months and 15 days. Interest is capped at 10% per year. Loan fees are 8% for the first $600, then 4% for everything above $600. These laws apply to installment loans as well, so be sure to check the terms of any installment loan you apply for.
If your lender doesn’t abide by these regulations, don’t agree to the loan contract. Instead, contact the Georgia state attorney general and file a report.
Compare installment loans available in Georgia
Rates last updated January 25th, 2019
What are the typical costs of a loan in Georgia
Several factors impact the interest you have to pay on loans, such as your credit, the amount you borrow, the lender and the loan term.
You may have to pay additional fees in different circumstances. If you don’t make a payment on time you may have to pay a late charge. If a check does not go through because of insufficient funds in your account, your lender may charge a non-sufficient funds (NSF) fee. Some lenders can also charge application fees and loan disbursement fees, and they might even charge you if you choose to repay your loan amount early.
In Georgia, your late fee is processed five days after the payment is due and is the larger of either $10 or an amount equal to $0.05 (five cents) for every $1 of the installment. Lenders may also charge a maintence fee of $3 for every month in the loan contract’s term, whether the payment is one lump sum or divided into other installments.
It’s important to reiterate this is for all loans, and if a lender doesn’t abide by these, you should avoid borrowing money from it.
What other options are available
While getting a payday loan in Georgia is not possible, you can get credit or cash in other ways instant cash loans within 1 hour Some of your options include:
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