Can I actually get a payday loan in Augusta, Georgia? | finder.com
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Compare your loan options in Augusta, Georgia

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Do you want to get a payday loan in Augusta? Here’s the information you need to know.

You might be considering a payday loan as a way to get a small loan fast if you’re low on funds and don’t have the best of credit. This guide focuses on the legality of payday loans in Augusta, GA, while also exploring alternative options.

Are payday loans legal in Augusta?

Georgia Codes 16-17-1 et seq, 7-3-14 et seq. and 80 3-1.02(7) surround crimes and offences, industrial loans, and company rules and regulations, respectively. They have stipulations in place which make payday lending illegal in the entire state of Georgia. As a result, payday loans in Augusta are illegal.

State laws can make a big difference to whether or not you can get a legal payday loan. For example, since payday lending is legal in South Carolina, you can get payday loans in North Augusta, SC. All that separates Augusta, GA and North Augusta, SC is a state border.

What other borrowing options do I have in Augusta?

  • Installment loans. Individuals who suffer from poor or bad credit rating can think about getting installment loans. To qualify, you should have a regular source of income.
  • Auto title loans. You can consider using your car’s title as collateral to get an auto title loan. Applying for an auto title loan with poor creditworthiness is possible because you’re providing security.
  • Secured credit cards. Depending on your circumstances, you could look into a secured credit card with an introductory low or no-interest period.
  • Tribal loans. You may still have the option of getting a payday loan if you go through a tribal lender. Since these lenders are based on tribal land, they are considered a sovereign entity and are able to abide by their own laws.

8 payday loan alternatives to consider if you need cash

Installment loans you could apply for

Installment loans allow you to pay back your loan in fixed payments over a set period of time. There are lenders that offer this type of loan to borrowers with less-than-stellar credit, as long as they meet other eligibility criteria. Installment loans are similar to payday loans in that they have very high interest rates, and therefore risk to consider before you apply.

Rates last updated October 16th, 2018
Unfortunately, none of the short term loan providers currently offer loans in your state. Learn more about short term loans in your state to find an alternative.
Name Product Product Description Max. Loan Amount Turnaround Time Requirements
OppLoans Installment Loans
Installment loans with competitive rates from a top-rated direct lender.
$5,000
1 business day
Must have direct deposit and meet minimum income requirements.
CashUSA Installment Loans
A connection service for quick cash loans up to $10,000.
$10,000
As early as 1 business day
Must have a monthly income of $1,000+ after taxes and valid checking account.
Jora Installment Loans
Installment loans with repayment terms up to 30 months, depending on your state.
$2,600
1–2 days
Must have an active checking account, regular source of income and email address.
Blue Trust Loans Installment Loans
Get an installment loan from an online tribal lender. Perks for returning borrowers.
$2,000
As soon as next business day
Must be at least 18 years old and have a verifiable source of income with direct deposit into your checking account.
CashNetUSA Loan
Apply for a short-term loan with an easy online application and dedicated customer service.
Varies by state
1 business day
You must be a US citizen or permanent resident, be at least 18 years old and have regular income and a bank account.
LendYou Short-term Loans
Apply online with this loan-connection company offering unrestricted short-term loans at high maximums — fast turnaround.
$15,000
1 business day
You must be a US citizen or permanent resident, age 18+ and have a regular income.
Slam Dunk Loans
Potentially get approved for a short-term loan through this lender-connection service, even with poor credit history.
$2,500
As soon as next business day
Must be employed, receive regular income, earn at least $800 a month, have a checking account, be 18+ yrs old and a US citizen.

Compare up to 4 providers

What if I can’t get a loan or credit card?

Short term, auto title and personal loans might be a bust, but there are other options out there. Some you may have tried, but all may be worth looking into:

  • Borrow from people you know. You may be able to request an advance from your employer, or get a loan from friends or family.
  • Talk with community organizations. Non-profit financial cooperatives and community credit unions may have options for small-amount loans if you meet their eligibility criteria.
  • Talk to your creditors. Ask about arranging a payment plan or getting more time.
  • Local social services. Look into public services for assistance with heating costs, food and housing.
  • Pick up side work. Looking for side jobs, selling things online with a service like eBay or LetGo, or signing up to drive with a company like Uber are some of the many ways people get extra cash when they’re in a bind. It’s a great alternative to getting a loan or credit card because there’s nothing to repay.

In which states are payday loans legal?

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US Payday Loans Offers

Important Information*
Slam Dunk Loans

Potentially get approved for a short-term loan through this lender-connection service, even with poor credit history.

LendUp Payday Loans

LendUp offers $250 loans for first-time borrowers. Good credit is not required. Visit the site to see if available in your state.

Check into Cash Payday Loan

With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.

OppLoans Installment Loans

Installment loans with competitive rates from a top-rated direct lender.

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